Each place below gets a short note built on the ZIP that carries its name, and one invented case budgets a job-site trailer for a crew whose work crosses a county line.
Oak Grove, KY has its own page; the other places here get short notes from ZIP Code Business Patterns 2023, each figure labeled with the ZIP it describes. Gracey, Fairview and Cerulean are Census-designated communities. An invented trailer example sets a 48-month equipment loan beside a 60-month one.
Hopkinsville, KY and Oak Grove, KY: The Two Places With Full Pages
The Hopkinsville, KY page sets out the largest sectors in ZIP 42240, works a home builder's repair bill three ways and prices a new technician's first paydays. The Oak Grove, KY page works from ZIP 42262 counts, where retail and food service hold most of the employers, and follows a concrete contractor through a billing gap and a mixer decision.
Every other place on this page uses the same phone number and the same request. The notes are short because the figures behind them are small.
Crofton, KY, LaFayette, KY and Two Communities in Christian County, KY
Crofton, KY shares ZIP 42217 with a much larger area around the city, which takes up less than 1% of that ZIP's land (Census 2020 ZIP code relationship file). The ZIP had 47 employer establishments in 2023: 14 in retail trade and 8 in construction, and 87.5% of those contractors had fewer than five employees (ZIP Code Business Patterns).
Gracey, KY, a Census-designated community, gives its name to ZIP 42232, where ZBP counted 5 employer establishments in 2023; 80.0% had fewer than five employees. Fairview, KY, also a Census-designated community, straddles the line between Christian County, KY and Todd County, KY; its land lies in ZIPs named for other places, so no ZIP figure here describes it. LaFayette, KY is an incorporated city in the county with no separate figures on this site, so a LaFayette business's request rests on its own records.
ZIPs 42220, 42234 and 42286: Elkton, KY, Guthrie, KY and Trenton, KY Over the Todd County, KY Line
In ZIP 42220, which carries the Elkton name, retail trade and other services tied at 23 employer establishments each in 2023, and manufacturing came next with 15, of which 26.7% had fewer than five employees (ZIP Code Business Patterns). Elkton itself covers about 1.5% of the ZIP's land (Census 2020 ZIP code relationship file).
Employers in the Guthrie, KY ZIP, 42234, reported $31.4 million in annual payroll for 2023, and 46.7% of them had fewer than five employees (ZBP). Manufacturing, with 7 establishments, and wholesale trade, with 5, were among the sectors counted there.
In 2023, ZBP counted 15 employer establishments in ZIP 42286, the ZIP that carries the Trenton name; 60.0% had a staff under five. Retail trade and other services counted 4 each.
Small Service Shops in ZIP 42211 Around Cadiz, KY, Plus ZIP 42215, Which Carries the Cerulean, KY Name
Cadiz, KY covers about 1.1% of the land in ZIP 42211 (Census 2020 ZIP code relationship file), a ZIP that held 224 employer establishments in 2023 (ZIP Code Business Patterns). In ZBP's count, its 41 establishments in other services were mostly small, 82.9% under five employees, while 16.0% of its 25 accommodation and food services establishments were that small. Retail trade had the most, 47.
Cerulean, KY is a Census-designated community in Trigg County, KY. ZIP 42215, which carries its name, lies mostly in Christian County, KY by land area (Census 2020 ZIP code relationship file) and counted 11 employer establishments in 2023, 63.6% with fewer than five employees (ZBP).
Nortonville, KY and Dawson Springs, KY Past the Hopkins County, KY Line
ZIP 42442, which carries the Nortonville name, counted 29 employer establishments and 133 paid employees in 2023 (ZIP Code Business Patterns). Retail trade had 7 of the establishments and construction 6.
Dawson Springs, KY spans Hopkins County and Caldwell County. ZIP 42408, which carries its name, had 52 employer establishments with 650 paid employees in 2023, and retail trade led its sectors with 13 (ZBP).
Budgeting for a Job-Site Trailer When Work Crosses From Christian County, KY Into Todd County, KY
Illustration only, invented figures: a Hopkinsville, KY electrical contractor with jobs in Elkton and Crofton buys an enclosed job-site trailer with shelving and a lockable tool rack for $12,480, financed with the trailer as collateral at an 11.25% annual rate.
| Term | Monthly payment | Total of payments | Interest |
|---|---|---|---|
| 48 months | $324.07 | $15,555.36 | $3,075.36 |
| 60 months | $272.90 | $16,374.00 | $3,894.00 |
In this invented example the 60-month term trims the payment by $51.17 a month and costs $818.64 more in interest over its life. The lower payment leaves more room in a month when billings run thin, and the shorter term costs less overall; the contractor's own bank statements show which matters more. Equipment financing covers trailers along with other machines.
By Rowanharbor Finance ยท Updated