42503Somerset, Kentucky

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 42503.

65out of 100
Area Score
Top 34% of 5,298 profiles measured

How we calculate this

How this area ranks
Opportunity5211th of 6,210 ZIP areas measured37
SchoolsTop 6% of 4,422 ZIP areas measured87
GrowthTop 3% of 5,428 ZIP areas measured83
Housing affordabilityTop 33% of 6,685 ZIP areas measured90
ClimateTop 29% of 6,789 ZIP areas measured75
Physical resilience3481st of 6,709 ZIP areas measured57
Access6688th of 6,791 ZIP areas measured39
Economic stability5790th of 6,742 ZIP areas measured36
The quick read

Employment conditions sit below most comparable published ZIP profiles: unemployment is 5.8% and the Opportunity signal places 42503 in the bottom 16%.

Development activity is both elevated and accelerating — 107 housing units permitted over the past twelve months, up 55% on the prior year.

The nearest major airport is 97 miles away, which is farther than most measured US ZIP areas.

At a glance

Population
25,321
2024 ACS 5-Year
Median household income
$54,707
Bottom 21% nationally
Density
196/sq mi
129.4 sq mi of land
Median age
42.3
2024 ACS 5-Year
City
Somerset
Kentucky
Metro area
Somerset, KY
Nearest major airport
SDF
97 mi · Louisville Muhammad Ali Intl
Median home value
$210,200
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 5.8% is lower than 11% of the 6,544 measured US ZIP areas.

Employment fell 1.1% over the past year, to 26,437 employed residents.

Median household income of $54,707 is below 79% of measured US ZIP areas.

MetricValueCompared nationallySource period
Median household income ±$6,375$54,707Bottom 21%of 31,2952024 ACS 5-Year
Per capita income ±$2,095$32,285Bottom 35%of 32,8222024 ACS 5-Year
Poverty rate15.2%Top 31%of 32,9702024 ACS 5-Year
Average commute20.5 minBottom 15%of 32,8872024 ACS 5-Year
Bachelor's degree or higher23.4%Top 50%of 33,1932024 ACS 5-Year
Employment26,437Bottom 27%of 6,544June 2026
Employment change (3 years)3.5%Top 12%of 6,542June 2026
Employment change (year over year)-1.1%Bottom 42%of 6,544June 2026
Labor force28,067Bottom 27%of 6,544June 2026
Labor force participation55.1%Bottom 31%of 33,2522024 ACS 5-Year
Unemployment change (year over year)0.6%Top 27%of 6,544June 2026
Unemployment rate5.8%Top 11%of 6,544June 2026
Median household income, successive ACS releases
202120222023202455k45k
Each point is a separate five-year estimate, most recently $54,707 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.

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

49% of students met the state standard in mathematics and 63% in reading, across the schools here that reported results.

There are 15.9 students for every full-time teacher, more than in most measured places.

Public schools
8
2024-25 school year
Students per teacher
15.9
across all schools here
Math proficiency
48.5%
Top 5% in Kentucky
Reading proficiency
62.8%
Top 2% in Kentucky
SchoolDistrictStudentsPer teacherMathReading
Southwestern High SchoolPulaski County1,21316.6
Pulaski County High SchoolPulaski County1,11315.2
Northern Middle SchoolPulaski County79717.322%62%
Oak Hill Elementary SchoolPulaski County55116.261%80%
Pulaski Elementary SchoolPulaski County53515.354%56%
Shopville Elementary SchoolPulaski County38514.872%61%
Northern Elementary SchoolPulaski County35213.555%49%
Eagle AcademyPulaski County3838.0

59.5% 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 $838 takes 18% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 3.8 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
18.4%
Below the 30% cost-burdened threshold
Home price to income
3.8×
median home value ÷ median income
Median gross rent
$838
2024 ACS 5-Year
Median home value
$210,200
2024 ACS 5-Year
MetricValueCompared nationallySource period
Home price to income3.84Top 31%of 30,4042024 ACS 5-Year
Homeownership rate71.6%Bottom 32%of 32,9102024 ACS 5-Year
Housing units ±51611,589Top 13%of 33,7722024 ACS 5-Year
Median gross rent ±$58$838Bottom 29%of 26,6182024 ACS 5-Year
Median home value ±$11,307$210,200Bottom 47%of 30,9412024 ACS 5-Year
Rent as a share of income18.4%Top 45%of 26,4702024 ACS 5-Year
Vacancy rate11.4%Top 49%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
83/ 100
Top 3% 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.

92% of recently permitted units are in buildings of five or more homes, so new supply is concentrated in apartments and condominiums rather than detached houses.

At 8.8 permitted units per 1,000 residents, building activity is above the median for measured US ZIP areas.

Units permitted
107
12 months ending July 2026
Per 1,000 residents
8.8
Top 15% nationally
Year over year
+55%
vs the prior twelve months
Multifamily share
91.6%
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for Somerset, 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 86°F and January a low of 27°F.

Normal annual precipitation is 51.3 inches.

Air quality measures a median index of 41, in the Good band, and no day in the year passed 100.

20°40°60°80°100°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station LONDON CORBIN AP, 24.9 miles from this location.
Precipitation
JFMAMJJASOND5.2"
Normal monthly precipitation, in inches.
MetricValueSource period
90th percentile air quality index54.02024 calendar year
Annual precipitation51.3"1991-2020 Normals
Average January low27°F1991-2020 Normals
Average July high86°F1991-2020 Normals
Comfortable months71991-2020 Normals
Days above AQI 10002024 calendar year
Median air quality index41.02024 calendar year
Seasonal temperature swing40°F1991-2020 Normals
Air quality
Median air quality index
41
Good on a typical day
Worst tenth of days
54
90th percentile index
Days above 100
0
unhealthy for sensitive groups

A comfortable median and a bad tail are different problems. Wildfire smoke and summer ozone show up in the worst tenth of days, not in the middle of the year.

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. Air quality is measured rather than modelled, by EPA monitors, and published by county only where a monitor sits — roughly half the counties AreaProfile publishes have one, and the rest show nothing rather than an estimate. Air masses are regional, so a county reading describes the air over a place reasonably well, but it is still the county reading.

Physical risk

57 / 100
Physical resilience

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

Winter weatherModerate
HailModerate
EarthquakeElevated
TornadoElevated
Inland floodingModerate
LightningModerate

Low or minimal exposure: cold wave, strong wind, heat wave, landslide, wildfire, ice storm, hurricane, drought, avalanche.

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 — they say nothing about burglary, theft or assault.

Pulaski 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 18.1 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 18.1 per 100,000 residents in Pulaski County.

Homicide
5.2
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
18.1
per 100,000 residents · under 10 deaths
Drug overdose
18.1
per 100,000 residents · under 10 deaths
Suicide
15.1
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 Pulaski 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 42503 rather than 42503 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
Taxes are not published: no source covers them nationally with a method open enough to check. Cost of living now is — the index above is the Bureau of Economic Analysis price parity for this area — but it is a price level for all consumption rather than a budget for a household, its spread is driven mostly by housing, and it excludes taxes. Housing affordability is computed separately from rent, price and income, because that answers a narrower and more actionable question. 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

2 major airports lie within 100 miles, the nearest 97 miles away.

AirportCodeDistanceLongest runway
Louisville Muhammad Ali IntlSDF97 mi11,887 ft
Mc Ghee TysonTYS98 mi10,000 ft
Tri-CitiesTRI126 mi8,000 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
65
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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
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
ClimateU.S. Environmental Protection Agency, Air Quality System
Daily Air Quality Index by county
2024 calendar yearAnnually, once a calendar year is complete

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.

42503 vs Somerset

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

42503
Somerset
Median household income
$54,707
vs
$34,704
Per capita income
$32,285
vs
$26,476
Population density
196/sq mi
vs
828/sq mi
Median home value
$210,200
vs
$144,000
Median gross rent
$838
vs
$775
Homeownership rate
71.6%
vs
48.9%
Bachelor's degree or higher
23.4%
vs
19.9%
Poverty rate
15.2%
vs
27.2%
Median age
42.3
vs
39.8

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.