40988 ZIP Code — Stoney Fork, KY

Bell County, Kentucky

ZIP code 40988 is located in Stoney Fork, Kentucky, within Bell County. It covers approximately 23.72 square miles and serves a population of 375 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 606.

About ZIP code 40988

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $65,600.

Median household income is $34,688. The poverty rate of 3% is below the national average. 54% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with public administration as the leading industry. The average commute of 24 minutes is near the national average. Remote work is prevalent — 33% of workers work from home.

College attainment at 12% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of obesity (47%), diabetes (18%), smoking (38%), poor mental health (23%) compared to national benchmarks.

Notable community characteristics include disability rates above the national average at 34%.

Overall, ZIP code 40988 reflects a community defined by a trades-oriented workforce, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

375

population

23.72

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

40988 ZIP code map

Cities in ZIP code 40988

Below are the cities the US Postal Service accepts for ZIP code 40988. Using any city not on this list may result in mail delivery delays.

City	Status
Stoney Fork	Preferred

Nearby ZIP codes

40840 Helton (4.4 mi) 40819 Coldiron (4.9 mi) 40902 Arjay (5.6 mi) 40913 Beverly (6.2 mi) 40873 Wallins Creek (8.1 mi) 40863 Pathfork (9.9 mi) 40856 Miracle (10.5 mi) 40810 Bledsoe (10.9 mi) 40979 Roark (11.2 mi) 40831 Harlan (11.9 mi) 40982 Scalf (12 mi) 40939 Fourmile (12.4 mi)

Demographics updated 05/2026

Population
Total population	375
Population density	16 / sq mi
State FIPS	21
County FIPS	013

Geography
Land area	23.72 sq mi
Water area	0.06 sq mi
Latitude	36.8665
Longitude	-83.5323
Timezone	Eastern (ET)
Area code	606

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	74.2%	72.9%	47.9%
$50k – $100k	25.8%	21.8%	30.3%
$100k – $200k	0.0%	4.5%	17.6%
Over $200k	0.0%	0.8%	4.2%

Demographics & statistics

375

Population

People per sq mi

37.0

Median age

$34,688

Median household income

$17,746

Per capita income

$65,600

Median home value

Median monthly rent

100.0%

Home ownership

2.7%

Poverty rate

0.0%

Unemployment

158

Housing units

12.3%

Bachelor's or higher

Age distribution

Male Female

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

← Male

Female →

Age summary

Group	Count	%
Under 18	73	19.5%
18 and over	302	80.5%
65 and over	54	14.4%
Median age	37.0 years

Race & ethnicity

White 100%

Group	Count	%
White	375	100%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	74.2%	72.9%	47.9%
$50k – $100k	25.8%	21.8%	30.3%
$100k – $200k	0.0%	4.5%	17.6%
Over $200k	0.0%	0.8%	4.2%

Under $10k 3.8%

$15k–$25k 26.2%

$25k–$35k 21.5%

$35k–$50k 17.7%

$50k–$75k 8.5%

$100k–$150k 22.3%

Range	% of households
Under $10k	3.8%
$15k–$25k	26.2%
$25k–$35k	21.5%
$35k–$50k	17.7%
$50k–$75k	8.5%
$100k–$150k	22.3%
Median income	$34,688

Housing

Home values

Under $50k 24.6%

$50k–$100k 39.2%

$100k–$150k 3.8%

$150k–$200k 19.2%

$500k–$1M 13.1%

Housing overview

Metric	Value
Median home value	$65,600
Median rent / month	$0
Owner occupied	100.0%
Renter occupied	0.0%
Vacant	17.7%
Single-family detached	85.4%
Large apartment buildings	0.0%
Mobile homes	14.6%
Median rooms	5.1
Avg household size (owned)	2.88

Year built

Era	%
2020 or later	0.0%
2010–2019	10.8%
2000–2009	5.1%
1990–1999	12.7%
1980–1989	14.6%
1970–1979	23.4%
1960–1969	3.2%
1950–1959	22.8%
1940–1949	0.0%
1939 or earlier	7.6%

Bedrooms

Size	% of units
No bedroom (studio)	5.1%
1 bedroom	0.0%
2 bedrooms	43.0%
3 bedrooms	36.1%
4 bedrooms	15.8%
5+ bedrooms	0.0%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	53.8%
2 vehicles	0.0%
3 or more	46.2%

Heating fuel

Fuel type	%
Electricity	90.8%
Fuel oil	9.2%

Households & families

Household type	Count	%
Married-couple family	73	56.2%
Cohabiting couple	0	0.0%
Male householder, no spouse	0	0.0%
Female householder, no spouse	57	43.8%
Households with children under 18	48	36.9%
Households with seniors (65+)	42	32.3%
Average household size	2.88

Marital status

Status	Male	Female
Never married	39.5%	31.4%
Married	60.5%	38.7%
Separated	0.0%	0.0%
Widowed	0.0%	22.0%
Divorced	0.0%	7.9%

Education

Less than 9th grade 13.6%

Some HS, no diploma 13.6%

HS graduate 41.8%

Some college, no degree 7.3%

Associate's degree 11.4%

Bachelor's degree 6.8%

Graduate / professional 5.5%

Metric	%
HS diploma or higher	72.7%
Bachelor's or higher	12.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	58	43.3%
High school	8	6.0%
College / grad school	68	50.7%

Employment

Industry of employment

Public administration 35.1%

Education & healthcare 26.0%

Finance & real estate 19.5%

Arts, food & hospitality 19.5%

Occupation

Category	%
Management, business & arts	53.2%
Service	11.7%
Sales & office	35.1%
Natural resources & construction	0.0%
Production & transportation	0.0%

Employment type

Type	%
Private sector	53.2%
Government	46.8%
Self-employed	0.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	55.8%
Carpool	11.7%
Public transit	0.0%
Walk	0.0%
Work from home	32.5%
Other means	0.0%
Avg commute (minutes)	23.5

Poverty

All people 2.7%

Under 18 years 0.0%

18 and over 3.3%

Married-couple families 6.8%

Female-led households 0.0%

Income support

Source	% of households
Social Security	53.8%
Retirement income	25.4%
Supplemental Security	0.0%
Cash public assistance	6.9%
Food stamps / SNAP	3.8%

Health indicators

Condition	%
Obesity	47.2%
High blood pressure	49.7%
High cholesterol	40.9%
Diabetes	17.5%
Heart disease	11.0%
Stroke	5.8%
Asthma	13.8%
Arthritis	39.1%
Kidney disease	4.7%
Pulmonary disease	19.3%
Cancer	6.7%

Behavior / access	%
Smoking	38.4%
Binge drinking	13.5%
No physical activity	46.0%
Less than 7 hrs sleep	42.5%
Depression	30.8%
Fair or poor health	35.8%
Poor mental health	23.2%
Poor physical health	23.0%
No health insurance	16.4%
Visited doctor (checkup)	76.3%
Visited dentist	36.5%
Cholesterol screening	85.7%
Teeth loss	36.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	0	0.0%

Disability	%
Any disability	33.6%
Under 18	9.6%
18–64 years	32.7%
65 and over	70.4%

Health insurance coverage

Type	%
Private insurance	57.9%
Public insurance	44.0%
No insurance	9.6%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	375	100.0%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	375	100.0%
Born in same state	375	100.0%
Born in different state	322	85.9%
Foreign born	0	0.0%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Arab	99	26.4%
French	56	14.9%

Ancestry	Count	%
Italian	16	4.3%

Technology access

Metric	% of households
Computer access	34.7%
Internet access	93.1%

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

Frequently asked questions about ZIP code 40988

What city is ZIP code 40988 in?

ZIP code 40988 is primarily assigned to Stoney Fork, Kentucky.

What county is ZIP code 40988 in?

ZIP code 40988 falls within Bell County, Kentucky.

Does ZIP code 40988 have a large retiree population?

54% of households in ZIP code 40988 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 40988?

12% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What are the health statistics for ZIP code 40988?

Health data for ZIP code 40988 shows elevated rates of obesity (47%) and diabetes (18%) and smoking (38%) compared to national benchmarks.

What is the typical home value in ZIP code 40988?

The median home value in ZIP code 40988 is $65,600.

What timezone is ZIP code 40988 in?

ZIP code 40988 observes the EST timezone.