40170 ZIP Code — Stephensport, KY

ZIP code 40170 covers Stephensport, Kentucky.

Poverty rate: 71.8%59.4 points above the US average
Typical home value: $120,306down 12.5% in five years
Degree or higher: 11.7%23.3 points below the US average
Homeownership: 79.2%14.2 points above the US average
Time zone: Central UTC-06:00observes daylight saving time

Where 40170 is

Stephensport, Kentucky — the area the Census Bureau draws for this ZIP code. ZIP codes are sets of delivery routes rather than areas, so this is the Census approximation of one, not a Postal Service boundary.

People and households

American Community Survey 2019–2023 five-year estimates

Family households	65.1%
Born outside the US	0%
Speaks a language other than English at home	57.9%
White (non-Hispanic)	100%
Black (non-Hispanic)	0%
Asian (non-Hispanic)	0%
Hispanic or Latino	0%
Veterans	22.3%

Population by age

Income and poverty

American Community Survey 2019–2023 five-year estimates

Poverty rate	71.8%
Households on SNAP or cash assistance	0%

Household income distribution

Under $10k	0.0%
$10–15k	0.0%
$15–20k	38.7%
$20–25k	20.8%
$25–30k	0.0%
$30–35k	0.0%
$35–40k	0.0%
$40–45k	0.0%
$45–50k	0.0%
$50–60k	21.7%
$60–75k	0.0%
$75–100k	18.9%
$100–125k	0.0%
$125–150k	0.0%
$150–200k	0.0%
$200k or more	0.0%

Income as declared to the IRS

Filed returns rather than survey responses, so this counts tax units and not households.

Tax returns filed	130
Mean adjusted gross income	$36,869
Returns declaring $200,000 or more	0%
Returns, under $25k	46.2%
Returns, $25k–$50k	23.1%
Returns, $50k–$75k	30.8%
Returns, $75k–$100k	0.0%
Returns, $100k–$200k	0.0%
Returns, $200k or more	0.0%

Housing

American Community Survey 2019–2023 five-year estimates

Owner-occupied	79.2%
Vacant homes	0%
Median year built	1988

What the homes are

Detached house	100%

Home values and rents today

Zillow Home Value Index and Zillow Observed Rent Index, courtesy of Zillow. Monthly and current, where the Census figures above are a five-year average and are capped at $2,000,000.

Typical home value	$120,306as of 2026-07
Typical home value, 1 year	down 21%
Typical home value, 5 years	down 12.5%
Typical home value, 10 years	up 29.2%

Typical home value since 2000

$72,971 in 2012 to $120,306 in 2026.

Work, commuting and education

American Community Survey 2019–2023 five-year estimates

Unemployment rate	0%
Bachelor's degree or higher	11.7%
High school diploma or higher	52.9%
Works from home	0%
Drives to work alone	62.5%
Takes public transport	0%
Commutes 45 minutes or more	0%

Health

CDC PLACES 2025 release, model-based estimates. These are modelled small-area estimates for adults, not counts of diagnosed cases.

Colorectal screening	55.9% 8.4 pts below the national average of 64.3%
Visited a dentist	47.6% 13.7 pts below the national average of 61.3%
Mammography use	67.5% 8.4 pts below the national average of 75.9%
Sleeps under 7 hours	43.7% 7.3 pts above the national average of 36.4%
All natural teeth lost	31.8% 18.8 pts above the national average of 13%

Natural hazard risk

FEMA National Risk Index, estimated for this ZIP code from census tract data — the NRI is not published per ZIP.

Overall risk	Higher than 85.1% of US census tracts
FEMA rating	Relatively Moderate to Relatively High across the 2 census tracts this ZIP code covers
Expected annual loss	78.9 out of 100
Community resilience	36.7 out of 100

By hazard

Score is out of 100 and is the area-weighted average across the census tracts this ZIP code covers. The rating beside it is the highest any one of those tracts carries.

Strong wind	98.2Very High at its worst in this ZIP code
Hail	96.3Relatively High at its worst in this ZIP code
Ice storm	95.9Relatively High at its worst in this ZIP code
Tornado	95.4Very High at its worst in this ZIP code
Drought	90.9Relatively Low at its worst in this ZIP code
Landslide	89.1Relatively Low at its worst in this ZIP code
Winter weather	88.1Relatively High at its worst in this ZIP code
River flooding	87.9Relatively High at its worst in this ZIP code
Cold wave	80.1Relatively High at its worst in this ZIP code
Earthquake	79.1Relatively Moderate at its worst in this ZIP code
Lightning	78.4Relatively High at its worst in this ZIP code
Heat wave	77.2Relatively Moderate at its worst in this ZIP code
Wildfire	67.5Very Low at its worst in this ZIP code
Hurricane	46.2Very Low at its worst in this ZIP code

Compared with Kentucky and the United States

State and national columns are figures for those areas, not for this ZIP code. American Community Survey 2019–2023 five-year estimates

	This ZIP	Kentucky	United States
Median household income	—	$62,417	$78,538
Income per person	—	$34,960	$43,289
Poverty rate	71.8%	16.1%	12.4%
Median home value	—	$192,300	$303,400
Median gross rent	—	$933	$1,348
Homeownership	79.2%	68.3%	65%
Bachelor's degree or higher	11.7%	27%	35%
Unemployment rate	0%	4.8%	5.2%
Works from home	0%	9.1%	13.5%
Born outside the US	0%	4.4%	13.9%
Median age	—	39.1	38.7

Climate

NOAA US Climate Normals 1991-2020, from the nearest weather station with a full year of records. The station and its distance are named above, because a station forty kilometres away describes somewhere else.

Weather station	CANNELTON, IN US16.1 km away
Rain in a year	49 in
Snow in a year	11 in

Average high and low by month

January	42.3°F / 26.5°F3.34 in rain, 3.5 in snow
February	47.5°F / 28.6°F3.53 in rain, 2.8 in snow
March	55.3°F / 36.8°F4.78 in rain, 1 in snow
April	68.1°F / 45.6°F5.02 in rain
May	75.6°F / 57°F5.52 in rain
June	83.2°F / 65.1°F4.88 in rain
July	86.8°F / 69°F4.07 in rain
August	85.9°F / 68.1°F2.82 in rain
September	80.5°F / 61.6°F3.23 in rain
October	69.8°F / 50.4°F3.7 in rain
November	56.7°F / 38.2°F3.72 in rain
December	46.2°F / 30.8°F4.41 in rain, 3.4 in snow

Access to food

USDA Food Access Research Atlas, estimated for this ZIP code from census tract data. Each figure is the share of the ZIP code's land area that falls in a tract carrying that flag.

Low income and far from a supermarket	None of this ZIP code
Far from a supermarket	None of this ZIP code
No vehicle and far from a supermarket	100% of this ZIP code's area

School districts

NCES Geographic Relationship File 2025, which states the association between each district and each ZIP code tabulation area directly. Elementary and secondary districts can cover the same ground, so shares need not total 100%.

Breckinridge County School District	100% of this ZIP code's land area

Community and walkability

CDC/ATSDR Social Vulnerability Index 2022 and the EPA National Walkability Index, both estimated for this ZIP code from census tract data. Vulnerability figures are national percentile ranks, not measurements.

Overall social vulnerability	73more vulnerable than 73% of US census tracts
Socioeconomic status	80more vulnerable than 80% of US census tracts
Household characteristics	78more vulnerable than 78% of US census tracts
Racial and ethnic minority status	13more vulnerable than 13% of US census tracts
Housing type and transport	62more vulnerable than 62% of US census tracts
Walkability	4.7 out of 20Least walkable

Nearby ZIP codes

The closest ZIP codes by centre point, which is not the same as sharing a border.

47574 Rome, IN	3.7 km away
40171 Union Star, KY	8.4 km away
47525 Derby, IN	14 km away
40144 Harned, KY	14.9 km away
40153 Mc Quady, KY	14.9 km away
40161 Rhodelia, KY	15.7 km away
40176 Webster, KY	15.9 km away
40157 Payneville, KY	17.2 km away

Location, counties and time zone

County shares from Census 2020 ZCTA relationship files. Time zone from the USDOT National Transportation Atlas, which renders the boundaries written into 49 CFR Part 71.

Breckinridge County	100% of this ZIP code's land area
Time zone	Central (UTC-06:00 standard)
Daylight saving time	Observed
Land area	22.87 sq mi
Water area	0.34 sq mi
Latitude, longitude	37.9048, -86.5240

Figures are published for this ZIP code or its Census tabulation area unless a section says otherwise. Estimates whose margin of error made them unreliable are omitted rather than shown. Sources: US Census Bureau, CDC, IRS.