40160Radcliff, Kentucky

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 40160.

55out of 100
Area Score
Bottom 30% of 5,298 profiles measured

How we calculate this

How this area ranks
Opportunity5893rd of 6,210 ZIP areas measured25
Schools3900th of 4,422 ZIP areas measured21
Growth2967th of 5,428 ZIP areas measured48
Housing affordabilityTop 16% of 6,685 ZIP areas measured97
ClimateTop 30% of 6,789 ZIP areas measured75
Physical resilienceTop 38% of 6,709 ZIP areas measured69
Access4732nd of 6,791 ZIP areas measured86
Economic stability4975th of 6,742 ZIP areas measured45
The quick read

Employment conditions sit below most comparable published ZIP profiles: unemployment is 6.3% and the Opportunity signal places 40160 in the bottom 5%.

In the public schools here, 18% of students met the state standard in mathematics, with 16.2 students for every teacher.

Housing is more affordable relative to local incomes than in most published city profiles: rent takes 19% of median household income and the median home is 2.8 times it.

At a glance

Population
23,624
2024 ACS 5-Year
Median household income
$58,506
Bottom 27% nationally
Density
1,379/sq mi
17.1 sq mi of land
Median age
37.5
2024 ACS 5-Year
City
Radcliff
Kentucky
Metro area
Elizabethtown, KY
Nearest major airport
SDF
27 mi · Louisville Muhammad Ali Intl
Median home value
$165,900
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 6.3% is lower than 6% of the 6,544 measured US ZIP areas.

Employment fell 2.3% over the past year, to 46,348 employed residents.

MetricValueCompared nationallySource period
Median household income ±$2,892$58,506Bottom 27%of 31,2952024 ACS 5-Year
Per capita income ±$3,056$31,233Bottom 31%of 32,8222024 ACS 5-Year
Poverty rate16.2%Top 28%of 32,9702024 ACS 5-Year
Average commute27.7 minTop 50%of 32,8872024 ACS 5-Year
Bachelor's degree or higher16.3%Bottom 29%of 33,1932024 ACS 5-Year
Employment46,348Bottom 45%of 6,544June 2026
Employment change (3 years)1.7%Top 28%of 6,542June 2026
Employment change (year over year)-2.3%Bottom 14%of 6,544June 2026
Labor force49,483Bottom 46%of 6,544June 2026
Labor force participation60.4%Bottom 49%of 33,2522024 ACS 5-Year
Mean annual wage$56,110Bottom 7%of 6,0722025 OEWS
Median annual wage$46,810Bottom 19%of 6,0722025 OEWS
Unemployment change (year over year)1.2%Top 2%of 6,544June 2026
Unemployment rate6.3%Top 6%of 6,544June 2026
Median household income, successive ACS releases
202120222023202459k48k
Each point is a separate five-year estimate, most recently $58,506 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Elizabethtown, KY
OccupationPeople employedMedian annual wage
Miscellaneous Assemblers and Fabricators2,140$50,510
Retail Salespersons1,570$28,650
General and Operations Managers1,420$76,770
Cashiers1,340$28,270
Fast Food and Counter Workers1,330$27,260
Human Resources Specialists1,060$78,850

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for Radcliff, KY, the city containing this ZIP code.

18% of students met the state standard in mathematics and 34% in reading, across the schools here that reported results.

There are 16.2 students for every full-time teacher, more than in most measured places.

Public schools
7
2024-25 school year
Students per teacher
16.2
across all schools here
Math proficiency
17.6%
Bottom 14% in Kentucky
Reading proficiency
33.9%
Bottom 19% in Kentucky
SchoolDistrictStudentsPer teacherMathReading
North Hardin High SchoolHardin County1,59318.3
North Park Elementary SchoolHardin County60415.9
North Middle SchoolHardin County56717.222%47%
Woodland Elementary SchoolHardin County53714.917%25%
Meadow View Elementary SchoolHardin County51414.713%36%
Radcliff Elementary SchoolHardin County38613.819%25%
Lincoln Trail Behavioral Health SystemsHardin County6310.5

61.0% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against Kentucky’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $942 takes 19% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 2.8 times median household income here, close to the historic benchmark for an affordable market.

Rent as a share of income
19.3%
Below the 30% cost-burdened threshold
Home price to income
2.8×
median home value ÷ median income
Median gross rent
$942
2024 ACS 5-Year
Median home value
$165,900
2024 ACS 5-Year
MetricValueCompared nationallySource period
Home price to income2.84Bottom 41%of 30,4042024 ACS 5-Year
Homeownership rate53.9%Bottom 11%of 32,9102024 ACS 5-Year
Housing units ±43510,445Top 15%of 33,7722024 ACS 5-Year
Median gross rent ±$42$942Bottom 42%of 26,6182024 ACS 5-Year
Median home value ±$8,117$165,900Bottom 33%of 30,9412024 ACS 5-Year
Rent as a share of income19.3%Top 39%of 26,4702024 ACS 5-Year
Vacancy rate6.7%Bottom 31%of 33,0282024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
48/ 100
Ranks 2967 of 5,428 published city profiles

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

New construction is predominantly single-family: only 0% of permitted units are in buildings of five or more homes.

At 4.7 permitted units per 1,000 residents, building activity is above the median for measured US ZIP areas.

Units permitted
108
12 months ending July 2026
Per 1,000 residents
4.7
Top 32% nationally
Year over year
0%
vs the prior twelve months
Multifamily share
0.0%
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for Radcliff, KY, the city containing this ZIP code.

Weather & climate

7 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 89°F and January a low of 28°F.

Normal annual precipitation is 48.3 inches, including 13.4 inches of snow.

20°40°60°80°100°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station LOUISVILLE INTL AP, 27.5 miles from this location.
Precipitation
JFMAMJJASOND5.2"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation48.3"1991-2020 Normals
Annual snowfall13.4"1991-2020 Normals
Average January low28°F1991-2020 Normals
Average July high89°F1991-2020 Normals
Comfortable months71991-2020 Normals
Seasonal temperature swing44°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

69 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are tornado, earthquake and hail.

Ice stormModerate
HailElevated
EarthquakeElevated
TornadoModerate

Low or minimal exposure: strong wind, lightning, winter weather, cold wave, inland flooding, heat wave, hurricane, landslide, wildfire, drought.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. ZIP values are the land-area-weighted mean of the counties the ZIP Code Tabulation Area intersects. Expected annual loss is not allocated below county level. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offences. AreaProfile does not publish reported crime, and this is not a substitute for it — it says nothing about burglary, theft or assault.

Hardin County records 5.2 homicide deaths per 100,000 residents a year, near the middle of counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 26.7 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 17.8 per 100,000 residents in Hardin County.

Homicide
5.2
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
26.7
per 100,000 residents · under 10 deaths
Drug overdose
17.8
per 100,000 residents · under 10 deaths
Suicide
27.6
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Hardin County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around 40160 rather than 40160 itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
Offences reported to police are published by department rather than by town, and only where a department reported every month of the year. No municipal department reports for this place — many smaller communities are policed by the county — so there is no figure to show. A partial year is never scaled up to look complete, and arrest counts or news volume are never substituted for it.
Taxes and full cost of living
No public source publishes either with national coverage and a method open enough to check. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings. Nothing here is individualised tax advice.
Anything about a specific address
Every figure describes an area, not a street or a house. School attendance zones, insurance pricing and the character of a neighbourhood all vary within the places measured here.

Access

3 major airports lie within 100 miles, the nearest 27 miles away.

AirportCodeDistanceLongest runway
Louisville Muhammad Ali IntlSDF27 mi11,887 ft
Owensboro/Daviess County RgnlOWB68 mi8,000 ft
Evansville RgnlEVV88 mi8,021 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
55
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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2019-20 school year; 2024-25 school yearDirectory annually; assessment results as EDFacts releases them

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

40160 vs Radcliff

How this ZIP area compares with Radcliff as a whole. Both figures come from the same ACS release, so the comparison is like for like.

40160
Radcliff
Median household income
$58,506
vs
$58,559
Per capita income
$31,233
vs
$32,154
Population density
1,379/sq mi
vs
1,709/sq mi
Median home value
$165,900
vs
$169,600
Median gross rent
$942
vs
$971
Homeownership rate
53.9%
vs
50.4%
Bachelor's degree or higher
16.3%
vs
18.3%
Poverty rate
16.2%
vs
15.9%
Median age
37.5
vs
36.9

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.