40870 ZIP Code — Totz, KY

Harlan County, Kentucky

ZIP code 40870 is located in Totz, Kentucky, within Harlan County. It covers approximately 12.91 square miles and serves a population of 627 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 606.

About ZIP code 40870

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $113,000. Owner-occupancy is high at 88%, well above the national average.

Median household income is $45,673. The poverty rate of 6% is below the national average. SNAP benefit usage at 19% of households reflects economic stress in the area. 51% 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 25 minutes is near the national average. Remote work is prevalent — 22% of workers work from home.

College attainment at 7% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of obesity (48%), diabetes (17%), smoking (36%), poor mental health (22%) compared to national benchmarks.

Notable community characteristics include disability rates above the national average at 28%.

Overall, ZIP code 40870 reflects a community defined by a trades-oriented workforce, high homeownership, a high rate of remote workers, a significant Social Security-dependent population, and elevated reliance on food assistance.

627

population

12.91

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

40870 ZIP code map

Cities in ZIP code 40870

Below are the cities the US Postal Service accepts for ZIP code 40870. Using any city not on this list may result in mail delivery delays.

City	Status
Totz	Preferred

Nearby ZIP codes

40828 Evarts (4.6 mi) 40865 Putney (5.3 mi) 40808 Big Laurel (5.9 mi) 41735 Delphia (6.7 mi) 40927 Closplint (6.9 mi) 40806 Baxter (8.8 mi) 24282 Saint Charles (8.8 mi) 41777 Yeaddiss (9.1 mi) 40823 Cumberland (9.3 mi) 41763 Slemp (9.6 mi) 40820 Cranks (10.6 mi) 40810 Bledsoe (11.2 mi)

Demographics updated 05/2026

Population
Total population	627
Population density	49 / sq mi
State FIPS	21
County FIPS	095

Geography
Land area	12.91 sq mi
Water area	0.10 sq mi
Latitude	36.9320
Longitude	-83.1424
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	73.8%	70.4%	47.9%
$50k – $100k	12.8%	23.0%	30.3%
$100k – $200k	13.4%	5.5%	17.6%
Over $200k	0.0%	1.1%	4.2%

Demographics & statistics

627

Population

People per sq mi

47.4

Median age

$45,673

Median household income

$21,046

Per capita income

$113,000

Median home value

$652

Median monthly rent

87.9%

Home ownership

6.4%

Poverty rate

17.8%

Unemployment

245

Housing units

7.2%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	135	21.5%
18 and over	492	78.5%
65 and over	203	32.4%
Median age	47.4 years

Race & ethnicity

White 99.2%

American Indian / Alaska Native 0.6%

Two or more races 0.2%

Group	Count	%
White	622	99.2%
American Indian / Alaska Native	4	0.6%
Two or more races	1	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	73.8%	70.4%	47.9%
$50k – $100k	12.8%	23.0%	30.3%
$100k – $200k	13.4%	5.5%	17.6%
Over $200k	0.0%	1.1%	4.2%

Under $10k 2.1%

$10k–$15k 3.3%

$15k–$25k 8.8%

$25k–$35k 9.2%

$35k–$50k 42.5%

$50k–$75k 11.7%

$75k–$100k 10.4%

$100k–$150k 8.8%

$150k–$200k 0.8%

$200k+ 2.5%

Range	% of households
Under $10k	2.1%
$10k–$15k	3.3%
$15k–$25k	8.8%
$25k–$35k	9.2%
$35k–$50k	42.5%
$50k–$75k	11.7%
$75k–$100k	10.4%
$100k–$150k	8.8%
$150k–$200k	0.8%
$200k+	2.5%
Median income	$45,673

Housing

Home values

Under $50k 19.0%

$50k–$100k 25.1%

$100k–$150k 22.7%

$150k–$200k 24.6%

$200k–$300k 0.5%

$300k–$500k 3.8%

$500k–$1M 4.3%

Housing overview

Metric	Value
Median home value	$113,000
Median rent / month	$652
Owner occupied	87.9%
Renter occupied	12.1%
Vacant	12.4%
Single-family detached	67.5%
Large apartment buildings	0.0%
Mobile homes	32.5%
Median rooms	5.9
Avg household size (owned)	2.65

Year built

Era	%
2020 or later	0.0%
2010–2019	2.6%
2000–2009	18.2%
1990–1999	11.3%
1980–1989	11.7%
1970–1979	16.8%
1960–1969	7.7%
1950–1959	15.7%
1940–1949	3.6%
1939 or earlier	12.4%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	0.0%
2 bedrooms	23.0%
3 bedrooms	60.6%
4 bedrooms	7.7%
5+ bedrooms	8.8%

Vehicles per household

Vehicles	% of households
No vehicle	3.3%
1 vehicle	35.0%
2 vehicles	32.5%
3 or more	29.2%

Heating fuel

Fuel type	%
Electricity	80.8%
Propane / LP gas	10.0%
Wood	9.2%

Households & families

Household type	Count	%
Married-couple family	149	62.1%
Cohabiting couple	0	0.0%
Male householder, no spouse	53	22.1%
Female householder, no spouse	38	15.8%
Households with children under 18	91	37.9%
Households with seniors (65+)	110	45.8%
Average household size	2.61

Marital status

Status	Male	Female
Never married	19.0%	22.3%
Married	58.3%	65.3%
Separated	0.0%	0.0%
Widowed	7.9%	11.2%
Divorced	14.7%	1.2%

Education

Less than 9th grade 7.2%

Some HS, no diploma 14.2%

HS graduate 49.9%

Some college, no degree 16.6%

Associate's degree 4.8%

Bachelor's degree 6.5%

Graduate / professional 0.7%

Metric	%
HS diploma or higher	78.6%
Bachelor's or higher	7.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	103	72.5%
High school	29	20.4%
College / grad school	10	7.0%

Employment

Industry of employment

Finance & real estate 22.3%

Education & healthcare 20.5%

Transportation & utilities 18.1%

Retail trade 16.9%

Construction 12.7%

Wholesale trade 6.0%

Professional & management 3.6%

Occupation

Category	%
Management, business & arts	31.3%
Service	21.7%
Sales & office	22.3%
Natural resources & construction	12.7%
Production & transportation	12.0%

Employment type

Type	%
Private sector	79.5%
Government	6.6%
Self-employed	13.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	68.5%
Carpool	9.4%
Public transit	0.0%
Walk	0.0%
Work from home	22.1%
Other means	0.0%
Avg commute (minutes)	24.5

Poverty

All people 6.4%

Under 18 years 0.0%

18 and over 7.9%

Married-couple families 10.1%

Female-led households 0.0%

Income support

Source	% of households
Social Security	50.8%
Retirement income	32.1%
Supplemental Security	24.6%
Cash public assistance	3.8%
Food stamps / SNAP	18.8%

Health indicators

Condition	%
Obesity	48.1%
High blood pressure	49.4%
High cholesterol	40.6%
Diabetes	16.8%
Heart disease	10.2%
Stroke	5.3%
Asthma	13.4%
Arthritis	38.7%
Kidney disease	4.3%
Pulmonary disease	17.8%
Cancer	6.5%

Behavior / access	%
Smoking	35.7%
Binge drinking	13.5%
No physical activity	43.0%
Less than 7 hrs sleep	41.7%
Depression	30.7%
Fair or poor health	33.1%
Poor mental health	22.3%
Poor physical health	21.8%
No health insurance	13.8%
Visited doctor (checkup)	76.7%
Visited dentist	39.5%
Cholesterol screening	87.5%
Teeth loss	31.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	18	3.7%

Disability	%
Any disability	28.2%
Under 18	0.0%
18–64 years	22.1%
65 and over	55.7%

Health insurance coverage

Type	%
Private insurance	42.6%
Public insurance	70.3%
No insurance	3.0%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	613	97.8%
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)	627	100.0%
Born in same state	627	100.0%
Born in different state	533	85.0%
Foreign born	0	0.0%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Arab	52	8.3%
Italian	34	5.4%

Ancestry	Count	%
French	28	4.5%
English	12	1.9%

Technology access

Metric	% of households
Computer access	38.3%
Internet access	87.9%

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

Frequently asked questions about ZIP code 40870

What city is ZIP code 40870 in?

ZIP code 40870 is primarily assigned to Totz, Kentucky.

What county is ZIP code 40870 in?

ZIP code 40870 falls within Harlan County, Kentucky.

Does ZIP code 40870 have an older population?

32% of residents in ZIP code 40870 are 65 or older, above the national average of ~17%.

How educated is the population of ZIP code 40870?

7% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 40870 have a large retiree population?

51% of households in ZIP code 40870 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 40870 mostly owner-occupied?

88% of occupied units in ZIP code 40870 are owner-occupied, well above the national average.

What timezone is ZIP code 40870 in?

ZIP code 40870 observes the EST timezone.