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Cumberland 40823

ZIP codeThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.Kentucky
$75K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Housing Stock

HomesHow many homes we have records for in this area.1,418
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$75K
Median sizeThe middle home size here, measured in square feet.1,212 ft²
Median bedroomsThe middle bedroom count for homes here.3
Median year builtThe middle build year for homes here. A recent year means most housing is newer.1950
Single familyThe share of homes here that are single-family houses.81%

Equity & Ownership

Equity rich (LTV ≤ 50%)The share of owners who owe half or less of what their home is worth, meaning they hold a lot of equity.91%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.0.7%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.66%
Company ownedThe share of homes owned by a company or trust instead of a person.6.2%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.0%
Typical ownership tenureHow long the typical owner here has held their home.14.0 yrs

CommunityThese are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.126
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.131
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.88

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.84%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.8.7%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.31%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.3,889
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.68 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$40K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$53K
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.54 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

How Cumberland 40823 compares

By median home value, Cumberland 40823 is the 6th most expensive of 21 ZIP codes in Harlan County, and its typical home is worth more than 53% of all homes in Harlan County.

Home values in Cumberland 40823

Share of homes at each estimated value.

Median
$29K$222K
ZIP codes in Harlan County ranked by median home value
#Harlan CountyMedian valueHomes
1Putney 40865$113K228
2Totz 40870$102K235
3Coldiron 40819$100K364
4Harlan 40831$90K1,874
5Baxter 40806$83K985
6Cumberland 40823$75K1,418
7Wallins Creek 40873$72K1,076
8Pathfork 40863$72K218
940824$68K182
10Evarts 40828$67K1,552
11Bledsoe 40810$67K569
12Loyall 40854$66K523
13Benham 40807$64K254
14Closplint 40927$63K212
15Cranks 40820$61K217
16Big Laurel 40808$61K106
17Cawood 40815$56K559
18Lynch 40855$56K428
19Grays Knob 40829$54K104
20Kenvir 40847$47K219
21Gulston 40830$46K107

About the Cumberland 40823 market

How many homes are there in Cumberland 40823, KY?

Cumberland 40823, KY contains 1,418 residential properties, with a median of 1,212 square feet, 3 bedrooms, built around 1950. The median TopHap Estimate is $75K.

How does Cumberland 40823, KY compare to the rest of Harlan County?

By median home value, Cumberland 40823, KY is the 6th most expensive of 21 ZIP codes in Harlan County. Its typical home is worth more than 53% of all homes in Harlan County. Baxter 40806 ranks just above it and Wallins Creek 40873 just below. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Cumberland 40823, KY?

66% of homes in Cumberland 40823, KY are owner-occupied. 6% are held by a company rather than an individual.

How much equity do owners in Cumberland 40823, KY hold?

91% of mortgaged homes in Cumberland 40823, KY are equity-rich, meaning the loan balance is under half the home's value. 0.7% owe more than the home is worth.

Nearby markets

Browse addresses

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Explore Cumberland 40823 on the map

See every recorded sale, price heat map, school zone and flood overlay across Cumberland 40823 in TopHap’s interactive 3D map.

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A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
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