U.S. ZIP Code · KY40965
Bell County
Appreciation
- 1-year
- -4.9%
- 5-year / yr
- +2.4%
- 10-year / yr
- +2.5%
Relative price
- vs U.S.
- -59.5%
- vs metro
- —
- vs state
- -30.8%
Price history
Zillow Home Value Index — monthly, smoothed and seasonally adjusted.
The typical home in 40965 is worth $115,043. Over the past year, values have fallen 4.9%. The effective property tax rate is 0.6%.
#Rent & investment
Typical asking rent, and the returns it implies at the current home value.
#Property tax
Effective rate — total real estate taxes paid relative to total home value.
#Climate risk
FEMA National Risk Index ratings for Bell County. "Not Applicable" means the hazard does not threaten the county.
- Overall risk
- Relatively Low[4]
- Riverine flood
- Relatively Moderate
- Coastal flood
- Not Applicable
- Wildfire
- Relatively Low
- Drought
- Very Low
- Heat wave
- Relatively Low
- Hurricane
- Very Low
- Tornado
- Relatively Low
- Earthquake
- Very Low
- Winter weather
- Relatively Moderate
#Who lives here
#Migration
Household moves in and out of Bell County over a year, from IRS tax-return data.
- Net migration
- -97[5]
- Moved in
- 390
- Moved out
- 487
Schools
Open public schools in this ZIP, from the NCES Common Core of Data.
- Public schools
- 8
- Elementary
- 2
- Middle
- 1
- High
- 3
Yellow Creek School Center
Elementary · Grades PK–8 · Bell County
562 students
Middlesboro Elementary School
Elementary · Grades PK–4 · Middlesboro Independent
476 students
Middlesboro High School
High · Grades 9–12 · Middlesboro Independent
347 students
Middlesboro Middle School
Middle · Grades 5–8 · Middlesboro Independent
274 students
Middlesboro Alternative School
High · Grades 7–12 · Middlesboro Independent
31 students
Run the numbers
Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.
Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.
Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.
This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.
#Metro ranking
Where this ZIP sits among others in its metro area.
Frequently asked
- How much is a home worth in ZIP code 40965?
- The typical home in 40965 is worth $115,043, based on the Zillow Home Value Index.
- Are home values rising in 40965?
- Home values in 40965 are down 4.9% over the past year, and up 2.4% a year over five years.
- What is the property tax rate in 40965?
- The effective property tax rate in 40965 is 0.6% — roughly $653 a year on a typical home.
- Who lives in 40965?
- ZIP code 40965 has a population of 11,561 and a median household income of $28,685.
Compare ZIPs
Pit ZIP 40965 against any other ZIP — full side-by-side table.
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