42303 ZIP Code — Owensboro, KY

Daviess County, Kentucky

ZIP code 42303 is located in Owensboro, Kentucky, within Daviess County. It covers approximately 48.83 square miles and serves a population of 41,608 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 270/364.

About ZIP code 42303

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $165,600. Owner-occupancy sits near the national average at 66%.

Median household income is $61,777. 36% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 20 minutes is near the national average.

Educational attainment is near the national average, with 25% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (22%) compared to national benchmarks.

41,608

population

48.83

sq mi land

Standard

ZIP type

Central (CT)

timezone

42303 ZIP code map

Cities in ZIP code 42303

Below are the cities the US Postal Service accepts for ZIP code 42303. Using any city not on this list may result in mail delivery delays.

City	Status
Owensboro	Preferred

Nearby ZIP codes

42366 Philpot (6.8 mi) 42355 Maceo (7.6 mi) 47635 Rockport (10.2 mi) 42376 Utica (10.4 mi) 42378 Whitesville (11.7 mi) 42301 Owensboro (11.9 mi) 42351 Lewisport (12.6 mi) 47634 Richland (13.8 mi) 42368 Reynolds Station (16.3 mi) 47615 Grandview (16.3 mi) 42352 Livermore (16.7 mi) 42348 Hawesville (16.8 mi)

Demographics updated 05/2026

Population
Total population	41,608
Population density	852 / sq mi
State FIPS	21
County FIPS	059

Geography
Land area	48.83 sq mi
Water area	0.51 sq mi
Latitude	37.7620
Longitude	-87.0423
Timezone	Central (CT)
Area code	270/364

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	46.8%	46.0%	47.9%
$50k – $100k	32.1%	32.0%	30.3%
$100k – $200k	17.2%	18.3%	17.6%
Over $200k	3.9%	3.7%	4.2%

Demographics & statistics

41,608

Population

852

People per sq mi

39.8

Median age

$61,777

Median household income

$35,227

Per capita income

$165,600

Median home value

$921

Median monthly rent

65.8%

Home ownership

15.5%

Poverty rate

4.0%

Unemployment

12,301

Housing units

24.9%

Bachelor's or higher

Age distribution

Male Female

1,225

Under 5

1,243

1,407

5–9

1,429

1,235

10–14

1,254

1,185

15–19

1,204

1,342

20–24

1,363

2,672

25–34

2,713

2,536

35–44

2,575

2,515

45–54

2,554

1,239

55–59

1,258

1,356

60–64

1,376

2,315

65–74

2,350

1,095

75–84

1,111

524

85+

532

← Male

Female →

Age summary

Group	Count	%
Under 18	9,424	22.6%
18 and over	32,184	77.4%
65 and over	7,927	19.1%
Median age	39.8 years

Race & ethnicity

White 85.5%

Black or African American 3.8%

Two or more races 3.4%

Hispanic or Latino 2.9%

Asian 2.1%

Other race 1.4%

Native Hawaiian / Pacific Islander 0.7%

American Indian / Alaska Native 0.1%

Group	Count	%
White	36,640	85.5%
Black or African American	1,637	3.8%
Two or more races	1,477	3.4%
Hispanic or Latino	1,226	2.9%
Asian	894	2.1%
Other race	606	1.4%
Native Hawaiian / Pacific Islander	292	0.7%
American Indian / Alaska Native	62	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	46.8%	46.0%	47.9%
$50k – $100k	32.1%	32.0%	30.3%
$100k – $200k	17.2%	18.3%	17.6%
Over $200k	3.9%	3.7%	4.2%

Under $10k 7.1%

$10k–$15k 4.8%

$15k–$25k 7.9%

$25k–$35k 7.8%

$35k–$50k 13.0%

$50k–$75k 16.2%

$75k–$100k 14.3%

$100k–$150k 16.1%

$150k–$200k 6.3%

$200k+ 6.5%

Range	% of households
Under $10k	7.1%
$10k–$15k	4.8%
$15k–$25k	7.9%
$25k–$35k	7.8%
$35k–$50k	13.0%
$50k–$75k	16.2%
$75k–$100k	14.3%
$100k–$150k	16.1%
$150k–$200k	6.3%
$200k+	6.5%
Median income	$61,777

Housing

Home values

Under $50k 4.7%

$50k–$100k 14.0%

$100k–$150k 25.5%

$150k–$200k 15.0%

$200k–$300k 21.2%

$300k–$500k 14.5%

$500k–$1M 4.2%

$1M+ 0.8%

Housing overview

Metric	Value
Median home value	$165,600
Median rent / month	$921
Owner occupied	65.8%
Renter occupied	34.2%
Vacant	7.5%
Single-family detached	70.8%
Large apartment buildings	3.7%
Mobile homes	4.7%
Median rooms	5.6
Avg household size (owned)	2.47

Year built

Era	%
2020 or later	0.3%
2010–2019	9.3%
2000–2009	12.6%
1990–1999	14.7%
1980–1989	10.4%
1970–1979	14.6%
1960–1969	13.2%
1950–1959	13.7%
1940–1949	4.0%
1939 or earlier	7.3%

Bedrooms

Size	% of units
No bedroom (studio)	2.1%
1 bedroom	7.1%
2 bedrooms	28.0%
3 bedrooms	42.2%
4 bedrooms	17.2%
5+ bedrooms	3.4%

Vehicles per household

Vehicles	% of households
No vehicle	6.9%
1 vehicle	31.7%
2 vehicles	37.5%
3 or more	23.8%

Heating fuel

Fuel type	%
Utility gas	68.4%
Electricity	29.2%
Propane / LP gas	1.8%
No fuel used	0.5%

Households & families

Household type	Count	%
Married-couple family	7,672	46.1%
Cohabiting couple	1,568	9.4%
Male householder, no spouse	3,096	18.6%
Female householder, no spouse	4,309	25.9%
Households with children under 18	4,862	29.2%
Households with seniors (65+)	5,525	33.2%
Average household size	2.40

Marital status

Status	Male	Female
Never married	31.0%	24.8%
Married	49.6%	46.7%
Separated	2.1%	1.8%
Widowed	3.2%	10.1%
Divorced	14.1%	16.7%

Education

Less than 9th grade 3.1%

Some HS, no diploma 6.6%

HS graduate 34.6%

Some college, no degree 21.2%

Associate's degree 9.6%

Bachelor's degree 15.7%

Graduate / professional 9.3%

Metric	%
HS diploma or higher	90.3%
Bachelor's or higher	24.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	845	9.2%
Kindergarten	483	5.3%
Elementary school	4,253	46.5%
High school	1,925	21.0%
College / grad school	1,644	18.0%

Employment

Industry of employment

Education & healthcare 21.4%

Manufacturing 16.0%

Retail trade 13.4%

Arts, food & hospitality 8.8%

Finance & real estate 7.9%

Professional & management 7.0%

Other services 6.4%

Construction 5.7%

Transportation & utilities 5.3%

Wholesale trade 2.7%

Public administration 2.7%

Information 1.3%

Agriculture & mining 1.2%

Occupation

Category	%
Management, business & arts	30.6%
Service	17.0%
Sales & office	25.2%
Natural resources & construction	6.6%
Production & transportation	20.6%

Employment type

Type	%
Private sector	84.8%
Government	10.5%
Self-employed	4.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	83.6%
Carpool	9.2%
Public transit	0.4%
Walk	1.2%
Work from home	4.6%
Other means	1.0%
Avg commute (minutes)	19.7

Poverty

All people 15.5%

Under 18 years 22.7%

18 and over 13.4%

Married-couple families 6.7%

Female-led households 32.8%

Income support

Source	% of households
Social Security	36.0%
Retirement income	24.8%
Supplemental Security	7.1%
Cash public assistance	1.7%
Food stamps / SNAP	11.0%

Health indicators

Condition	%
Obesity	38.8%
High blood pressure	39.8%
High cholesterol	38.2%
Diabetes	11.4%
Heart disease	7.3%
Stroke	3.4%
Asthma	11.2%
Arthritis	29.8%
Kidney disease	3.1%
Pulmonary disease	9.8%
Cancer	6.7%

Behavior / access	%
Smoking	21.6%
Binge drinking	15.6%
No physical activity	29.6%
Less than 7 hrs sleep	35.1%
Depression	25.1%
Fair or poor health	19.2%
Poor mental health	17.8%
Poor physical health	13.5%
No health insurance	10.2%
Visited doctor (checkup)	78.2%
Visited dentist	56.5%
Cholesterol screening	89.6%
Teeth loss	18.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	2,451	7.6%

Disability	%
Any disability	16.3%
Under 18	5.8%
18–64 years	13.2%
65 and over	39.3%

Health insurance coverage

Type	%
Private insurance	63.9%
Public insurance	45.0%
No insurance	5.9%
Uninsured under 19	5.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	39,140	94.1%
Spanish	946	2.4%
Other Indo-European	434	1.1%
Asian & Pacific Islander	210	0.5%
Other languages	291	0.7%

Place of birth & citizenship

Origin	Count	%
Native born (US)	40,171	96.5%
Born in same state	39,921	95.9%
Born in different state	29,666	71.3%
Foreign born	250	0.6%
Naturalized citizen	1,437	3.5%
Not a US citizen	542	37.7%

Ancestry

Ancestry	Count	%
Arab	5,502	13.2%
French	5,404	13%
Italian	4,540	10.9%
English	474	1.1%

Ancestry	Count	%
Polish	126	0.3%
German	62	0.1%
Dutch	26	0.1%
Irish	25	0.1%

Technology access

Metric	% of households
Computer access	40.0%
Internet access	92.3%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 42303

What city is ZIP code 42303 in?

ZIP code 42303 is primarily assigned to Owensboro, Kentucky.

What county is ZIP code 42303 in?

ZIP code 42303 falls within Daviess County, Kentucky.

What is the poverty rate in ZIP code 42303?

16% of residents in ZIP code 42303 live below the poverty line, above the national average.

Does ZIP code 42303 have a large retiree population?

36% of households in ZIP code 42303 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 42303?

The median home value in ZIP code 42303 is $165,600.

What is the population of ZIP code 42303?

ZIP code 42303 has an estimated population of 41,608 residents, with a density of 852 people per square mile.

What timezone is ZIP code 42303 in?

ZIP code 42303 observes the CST timezone.