41098 ZIP Code — Worthville, KY

Carroll County, Kentucky

ZIP code 41098 is located in Worthville, Kentucky, within Carroll County. It covers approximately 49.30 square miles and serves a population of 1,214 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 502.

About ZIP code 41098

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $64,900. Owner-occupancy is high at 86%, well above the national average.

Median household income is $39,921. 44% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with manufacturing as the leading industry. The average commute of 28 minutes is near the national average.

College attainment at 13% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (28%) compared to national benchmarks.

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

Overall, ZIP code 41098 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

1,214

population

49.30

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

41098 ZIP code map

Cities in ZIP code 41098

Below are the cities the US Postal Service accepts for ZIP code 41098. Using any city not on this list may result in mail delivery delays.

City	Status
Worthville	Preferred

Nearby ZIP codes

41083 Sanders (4.1 mi) 40011 Campbellsburg (6.9 mi) 40355 New Liberty (7 mi) 41008 Carrollton (7.7 mi) 41086 Sparta (11.1 mi) 47043 Vevay (11.8 mi) 40007 Bethlehem (12.3 mi) 40070 Sulphur (13.7 mi) 40050 New Castle (14 mi) 40006 Bedford (14.6 mi) 41095 Warsaw (15 mi) 41046 Glencoe (15.2 mi)

Demographics updated 05/2026

Population
Total population	1,214
Population density	25 / sq mi
State FIPS	21
County FIPS	041

Geography
Land area	49.30 sq mi
Water area	0.70 sq mi
Latitude	38.6268
Longitude	-85.0649
Timezone	Eastern (ET)
Area code	502

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	69.9%	55.2%	47.9%
$50k – $100k	12.1%	25.3%	30.3%
$100k – $200k	18.0%	16.3%	17.6%
Over $200k	0.0%	3.2%	4.2%

Demographics & statistics

1,214

Population

People per sq mi

44.1

Median age

$39,921

Median household income

$27,514

Per capita income

$64,900

Median home value

$913

Median monthly rent

85.5%

Home ownership

16.1%

Poverty rate

1.9%

Unemployment

789

Housing units

12.8%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

133

35–44

103

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	235	19.4%
18 and over	979	80.6%
65 and over	208	17.1%
Median age	44.1 years

Race & ethnicity

White 93.7%

Two or more races 6.3%

Group	Count	%
White	1,137	93.7%
Two or more races	77	6.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	69.9%	55.2%	47.9%
$50k – $100k	12.1%	25.3%	30.3%
$100k – $200k	18.0%	16.3%	17.6%
Over $200k	0.0%	3.2%	4.2%

Under $10k 0.9%

$10k–$15k 9.7%

$15k–$25k 16.0%

$25k–$35k 8.9%

$35k–$50k 24.7%

$50k–$75k 9.3%

$75k–$100k 10.4%

$100k–$150k 13.9%

$150k–$200k 6.1%

Range	% of households
Under $10k	0.9%
$10k–$15k	9.7%
$15k–$25k	16.0%
$25k–$35k	8.9%
$35k–$50k	24.7%
$50k–$75k	9.3%
$75k–$100k	10.4%
$100k–$150k	13.9%
$150k–$200k	6.1%
Median income	$39,921

Housing

Home values

Under $50k 28.0%

$50k–$100k 33.5%

$100k–$150k 4.1%

$150k–$200k 6.3%

$200k–$300k 18.3%

$300k–$500k 7.4%

$500k–$1M 2.2%

$1M+ 0.2%

Housing overview

Metric	Value
Median home value	$64,900
Median rent / month	$913
Owner occupied	85.5%
Renter occupied	14.5%
Vacant	37.9%
Single-family detached	51.9%
Large apartment buildings	0.0%
Mobile homes	43.3%
Median rooms	6.2
Avg household size (owned)	2.20

Year built

Era	%
2020 or later	0.0%
2010–2019	9.1%
2000–2009	16.3%
1990–1999	31.9%
1980–1989	10.5%
1970–1979	11.3%
1960–1969	3.9%
1950–1959	2.8%
1940–1949	1.3%
1939 or earlier	12.9%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	1.0%
2 bedrooms	33.1%
3 bedrooms	37.7%
4 bedrooms	22.6%
5+ bedrooms	5.5%

Vehicles per household

Vehicles	% of households
No vehicle	6.1%
1 vehicle	37.2%
2 vehicles	29.7%
3 or more	27.0%

Heating fuel

Fuel type	%
Utility gas	2.6%
Electricity	75.3%
Propane / LP gas	15.4%
Fuel oil	4.3%
Wood	2.4%

Households & families

Household type	Count	%
Married-couple family	175	32.5%
Cohabiting couple	31	5.8%
Male householder, no spouse	206	38.3%
Female householder, no spouse	126	23.4%
Households with children under 18	162	30.1%
Households with seniors (65+)	183	34.0%
Average household size	2.26

Marital status

Status	Male	Female
Never married	39.8%	9.3%
Married	26.8%	46.0%
Separated	4.5%	0.5%
Widowed	7.1%	14.0%
Divorced	21.8%	30.2%

Education

Less than 9th grade 3.7%

Some HS, no diploma 15.9%

HS graduate 34.2%

Some college, no degree 14.9%

Associate's degree 18.4%

Bachelor's degree 8.8%

Graduate / professional 4.0%

Metric	%
HS diploma or higher	80.3%
Bachelor's or higher	12.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	24	11.2%
Elementary school	126	58.9%
High school	50	23.4%
College / grad school	14	6.5%

Employment

Industry of employment

Manufacturing 34.3%

Education & healthcare 17.6%

Construction 12.3%

Transportation & utilities 12.3%

Retail trade 10.2%

Arts, food & hospitality 3.6%

Professional & management 3.1%

Finance & real estate 2.7%

Other services 2.1%

Agriculture & mining 1.3%

Wholesale trade 0.6%

Occupation

Category	%
Management, business & arts	33.5%
Service	5.2%
Sales & office	14.2%
Natural resources & construction	16.1%
Production & transportation	31.0%

Employment type

Type	%
Private sector	90.6%
Government	2.9%
Self-employed	6.5%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	86.4%
Carpool	7.5%
Public transit	0.0%
Walk	1.9%
Work from home	1.1%
Other means	3.1%
Avg commute (minutes)	27.6

Poverty

All people 16.1%

Under 18 years 25.6%

18 and over 14.0%

Married-couple families 20.0%

Female-led households 7.7%

Income support

Source	% of households
Social Security	44.1%
Retirement income	29.2%
Supplemental Security	11.3%
Cash public assistance	0.0%
Food stamps / SNAP	8.9%

Health indicators

Condition	%
Obesity	39.9%
High blood pressure	44.8%
High cholesterol	40.1%
Diabetes	13.9%
Heart disease	9.1%
Stroke	4.2%
Asthma	11.7%
Arthritis	35.3%
Kidney disease	3.6%
Pulmonary disease	13.1%
Cancer	7.1%

Behavior / access	%
Smoking	27.8%
Binge drinking	14.6%
No physical activity	36.3%
Less than 7 hrs sleep	38.4%
Depression	26.9%
Fair or poor health	24.8%
Poor mental health	19.0%
Poor physical health	16.7%
No health insurance	12.5%
Visited doctor (checkup)	76.7%
Visited dentist	48.2%
Cholesterol screening	89.2%
Teeth loss	23.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	69	7.0%

Disability	%
Any disability	28.3%
Under 18	11.9%
18–64 years	24.6%
65 and over	60.1%

Health insurance coverage

Type	%
Private insurance	64.5%
Public insurance	41.8%
No insurance	6.7%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,177	97.0%
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)	1,214	100.0%
Born in same state	1,214	100.0%
Born in different state	839	69.1%
Foreign born	0	0.0%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
French	148	12.2%
Arab	98	8.1%

Ancestry	Count	%
Italian	82	6.8%
English	54	4.4%

Technology access

Metric	% of households
Computer access	44.3%
Internet access	88.1%

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

Frequently asked questions about ZIP code 41098

What city is ZIP code 41098 in?

ZIP code 41098 is primarily assigned to Worthville, Kentucky.

What county is ZIP code 41098 in?

ZIP code 41098 falls within Owen County, Kentucky.

Is ZIP code 41098 mostly owner-occupied?

86% of occupied units in ZIP code 41098 are owner-occupied, well above the national average.

How educated is the population of ZIP code 41098?

13% 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 41098 have a large retiree population?

44% of households in ZIP code 41098 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 41098?

16% of residents in ZIP code 41098 live below the poverty line, above the national average.

What timezone is ZIP code 41098 in?

ZIP code 41098 observes the EST timezone.