ZIP Codes of Bell County, KY

Population & People
Population & People
Total Population
24,039
Household Income
Household Income
Median Income
$44,626
Housing
Housing
Total Housing Units
11,971
Business & Economy
Business & Economy
Total Businesses
437
Employment
Employment
Employment Rate
38.06%
Education
Education
Bachelor's Degree+
15.75%
Source: U.S. Census ACS 2024 5-Year Estimates · rolled up across the 12 ZIPs in this county.
Data Last Updated: July 1, 2026
ZIP Codes:12 ZIP Codes (11 Standard, 1 PO Box, 0 Unique) [See All]
Area Code:606
Timezone:Eastern (GMT -05:00)
Local Time:11:53:34 PM
Population:24,039 [See All]
FIPS:21013
CBSA:Middlesborough, KY
Land Area:389 sq mi
Water Area:2 sq mi
Coordinates:36.7679, -83.6482
Quick Link:
https://www.zip-codes.com/county/ky-bell.asp
Need Bell data in your app? Look up ZIP, county, and city data with a single API call.
Try Free
Notable population decline
Lost 16.5% of residents since 2014.
Notable income spread
Median income ranges $23,450 to $81,204 across ZIPs — a 3.5× gap.
Among Kentucky's 5 most renter-heavy counties
40.9% of homes rented — #4 statewide.

Standout ZIPs in this County


Most Populous
Middlesboro · 11,561 people
48.1% of county total
Highest Income
Calvin · $81,204 median
1.8× county average
Largest Land Area
Pineville · 119.4 sq mi
Spans the most ground
Fastest Growth
Pineville · -13.9% (10-yr)
9,718 → 8,367 residents
Most Educated
Middlesboro · 18.0% bachelor's+
1,493 of 8,272 adults 25+

Things worth knowing about Bell County


24,039 residents live across 12 ZIPs covering 389 sq mi, served by 12 distinct USPS-recognized cities.

Population moved from 28,781 to 24,039 from 2014 to 2024 — a -16.5% change. 3 ZIPs gained residents, 8 lost.

The county's wealthiest ZIP 40813 (Calvin, $81,204 median) and poorest ZIP 40845 (Hulen, $23,450) are 5.7 miles apart — a 3.5× income gap across local geography.

Median home values vary 2.4× across this county — from $66,000 in 40845 (Hulen) to $159,800 in 40813 (Calvin).

Density varies 14× across the county — from 12 people/sq mi in 40940 (Frakes) to 162 in 40965 (Middlesboro).

Educational attainment ranges from 1.0% bachelor's+ in 40845 (Hulen) to 18.9% in 40913 (Beverly) — the breadth of educational profiles across the area.

Within Kentucky, this is the #46 most populous of 120 counties and ranks #97 for median household income .

Weighted by population, the typical household earns about $34,312 across the county — reflecting what a typical resident sees, not a simple ZIP average.

15.7% of adults age 25+ hold a bachelor's degree or higher (2,663 of 16,908 reporting).

11 Standard delivery, 1 PO Box only, 0 single-entity Unique ZIPs serve this county.

Stories about Bell County


Two counties in one

Median household income spans 3.5× between the wealthiest and poorest ZIPs — a sign of significant intra-county inequality.

Wealthiest ZIP
Calvin
Median income: $81,204
Population: 354
Bachelor's+: 5.2%
vs
Poorest ZIP (pop >= 500)
Hulen
Median income: $23,450
Population: 580
Bachelor's+: 1.0%
For every $1 of household income in 40845, the typical household in 40813 earns $3.46.

Population decline

Bell County lost 16.5% of residents between 2014 and 2024. ZIPs that shed the largest share:

Arjay
-53.0%
1,186 → 558 residents
Frakes
-45.9%
678 → 367 residents
Calvin
-44.3%
636 → 354 residents
Middlesboro
-15.8%
13,732 → 11,561 residents
Pineville
-13.9%
9,718 → 8,367 residents

All ZIP Codes in Bell County


ZIPCityTypePopulationMedian IncomeArea (sq mi)10-yr Growth
40965MiddlesboroStandard11,561$28,68571.2-15.8%
40977PinevilleStandard8,367$37,917119.4-13.9%
40856MiracleStandard745$47,88034.00.9%
40845HulenStandard580$23,45021.5-2.2%
40902ArjayStandard55835.2-53.0%
40958Kettle IslandStandard547$48,72110.94.4%
40988Stoney ForkStandard519$38,12526.1-4.1%
40940FrakesStandard36731.0-45.9%
40813CalvinStandard354$81,20414.7-44.3%
40913BeverlyStandard276$51,02314.8-0.4%
40939FourmileStandard1659.74.4%
40955IngramPO Box0.0

Adjacent & Nearby Counties