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Area code 270 calling hours: can you call now?

Area code 270 serves Owensboro, Bowling Green, and Paducah in Kentucky. It spans Central and Eastern time, so the exchange matters. Clocks move for daylight saving time in March and November.

Live check: area code 270

Turn on JavaScript for the live check. The rules table below lists every window that applies to 270.

Not checked here: consent, Do-Not-Call lists, Reg F call frequency (7 calls in 7 days), cease-communication requests or attorney representation, reassigned numbers, and whether the consumer has told you a time is inconvenient.

Calling-hour rules for 270

Hours are local time at the person you are calling. When federal and Kentucky rules differ, the narrower window governs; the live check applies every row at once.

Rule setDebt collectionTelemarketing
Federal

Presumed convenient 8 a.m.-9 p.m. local time at the consumer's location, any day.

Every day 8:00 a.m.–9:00 p.m.

15 U.S.C. § 1692c(a)(1) · 12 CFR § 1006.6(b)(1)(i) (Regulation F) · Reg F Official Interpretation, comment 6(b)(1)(i)-2 (consumer's location) · 12 CFR § 1006.14(b)(2)

  • Call-frequency presumption: a collector is presumed to comply with the harassment ban if it places no more than 7 calls to a person about a particular debt within 7 consecutive days, and no call within 7 days after a telephone conversation with that person about the debt; exceeding either is presumed a violation (12 CFR § 1006.14(b)(2)).
  • Conflicting location information: if the collector's information indicates the consumer may be in more than one place (e.g. an Eastern-zone area code and a Pacific-zone address), it complies only by calling at a time convenient in all of those locations (Reg F comment 6(b)(1)(i)-2).
  • A collector may not call at any time it knows or should know is inconvenient to the consumer (e.g. after the consumer says so), regardless of the 8 a.m.-9 p.m. default (15 U.S.C. § 1692c(a)(1); Reg F comment 6(b)(1)-1).

No federal Sunday or holiday ban, but a consumer's statement that a day or time is inconvenient makes calls then unlawful. The 8-9 window is a default presumption that the consumer's prior consent (given directly to the collector) or a court can override.

8 a.m.-9 p.m. local time at the called party's location, any day.

Every day 8:00 a.m.–9:00 p.m.

47 CFR § 64.1200(c)(1) (TCPA rules) · 16 CFR § 310.4(c) (Telemarketing Sales Rule)

  • No telephone solicitation to a number on the National Do Not Call Registry absent an established business relationship or the consumer's signed written permission (47 CFR § 64.1200(c)(2); 16 CFR § 310.4(b)(1)(iii)(B)).
  • Autodialed or artificial/prerecorded-voice telemarketing calls to wireless numbers, and prerecorded telemarketing calls to residential lines, require the called party's prior express written consent (47 CFR § 64.1200(a)(2)-(3)).
  • Sellers must honor company-specific do-not-call requests (47 CFR § 64.1200(d); 16 CFR § 310.4(b)(1)(iii)(A)).

TSR § 310.4(c) allows calls outside 8-9 with the person's prior consent; the TCPA time rule in § 64.1200(c)(1) has no consent exception for telephone solicitations as defined.

KentuckyNo separate state hours; the federal window applies.

10 a.m.-9 p.m. local time at the called person's location, any day.

Every day 10:00 a.m.–9:00 p.m.

Ky. Rev. Stat. § 367.46955(16)

  • No telephone solicitations to numbers on the National Do Not Call Registry (Ky. Rev. Stat. § 367.46955(15)).
  • No prerecorded-voice solicitation to a residential line without prior express consent (Ky. Rev. Stat. § 367.46955(18)).
  • No letting the phone ring more than 30 seconds (Ky. Rev. Stat. § 367.46955(12)).

The statute speaks of solicitations to a person's residence; it is unsettled whether it reaches calls to mobile numbers not used at a residence.

Also in Kentucky

  • Kentucky has no debt-collection calling-hours statute; the federal window applies.

Exchanges and time zones

Area code 270 spans Central and Eastern time. The exchange — the three digits after the area code — maps to a rate center, and the rate center sets the zone. Enter the number in the check above to use it; without one, the check requires the window to be open in every zone 270 covers.

Central time America/Chicago · 682 exchanges

Rate centerCountyExchanges
Owensboro, KYDaviess42
Bowling Green, KYWarren41
Paducah, KYMcCracken37
Madisonville, KYHopkins25
Henderson, KYHenderson23
Hopkinsville, KYChristian21
Murray, KYCalloway18
Glasgow, KYBarren13
Russellville, KYLogan13
Benton, KYMarshall12
Franklin, KYSimpson12
Mayfield, KYGraves12
Oak Grove, KYChristian12
Central City, KYMuhlenberg11
Leitchfield, KYGrayson11
Beaver Dam, KYOhio9
Cadiz, KYTrigg9
Morgantown, KYButler9
Columbia, KYAdair8
Fulton, KYFulton8
Marion, KYCrittenden8
Morganfield, KYUnion8
Princeton, KYCaldwell7
Calhoun, KYMcLean6
Clinton, KYHickman6
Eddyville, KYLyon6
Greensburg, KYGreen6
Greenville, KYMuhlenberg6
Hawesville, KYHancock6
Irvington, KYBreckinridge6
Bardwell, KYCarlisle5
Burkesville, KYCumberland5
Elkton, KYTodd5
Guthrie, KYTodd5
Hardinsburg, KYBreckinridge5
Jordan, KYFulton5
Russell Springs, KYRussell5
Scottsville, KYAllen5
Tompkinsville, KYMonroe5
Brownsville, KYEdmonson4
Canmer, KYHart4
Clarkson, KYGrayson4
Cloverport, KYBreckinridge4
Glasgow Rural, KYBarren4
South Hardin, KYMarshall4
Calvert City, KYMarshall3
Clay, KYWebster3
Crofton, KYChristian3
Dixon, KYWebster3
Drakesboro, KYMuhlenberg3
Edmonton, KYMetcalfe3
Fairplay, KYAdair3
Gracey, KYChristian3
Hartford, KYOhio3
Hickman, KYFulton3
La Center, KYBallard3
Lucas, KYBarren3
McDaniels, KYBreckinridge3
Park City, KYBarren3
Providence, KYWebster3
Smithland, KYLivingston3
Smiths Grove, KYWarren3
Arlington, KYCarlisle2
Auburn, KYLogan2
Aurora, KYMarshall2
Bluff Springs, KYHickman2
Bremen, KYMuhlenberg2
Burkesville Rural, KYCumberland2
Caneyville, KYGrayson2
Canton, KYTrigg2
Cayce, KYFulton2
Centertown, KYOhio2
Corydon, KYHenderson2
Dawson Springs, KYHopkins2
Earlington, KYHopkins2
Ensor, KYDaviess2
Fairdealing, KYMarshall2
Fordsville, KYOhio2
Fredonia, KYCaldwell2
Gamaliel, KYMonroe2
Gilbertsville, KYMarshall2
Habit, KYDaviess2
Hanson, KYHopkins2
Hardin, KYMarshall2
Hazel, KYCalloway2
Hebbardsville, KYHenderson2
Hiseville, KYBarren2
Island, KYMcLean2
Kirksey, KYCalloway2
La Fayette, KYChristian2
Lewisport, KYHancock2
Livermore, KYMcLean2
Lynn Grove, KYCalloway2
Maceo, KYDaviess2
Mortons Gap, KYHopkins2
Munfordville, KYHart2
New Concord, KYCalloway2
Nortonville, KYHopkins2
Panther, KYDaviess2
Pembroke, KYChristian2
Pleasant Ridge, KYDaviess2
Robards, KYHenderson2
Sacramento, KYMcLean2
Saint Charles, KYHopkins2
Salem, KYLivingston2
Scottsville Rural, KYAllen2
Sebree, KYWebster2
Sharon Grove, KYTodd2
Slaughters, KYWebster2
Sorgho, KYDaviess2
Stanley, KYDaviess2
Sturgis, KYUnion2
Summer Shade, KYMetcalfe2
Symsonia, KYGraves2
Temple Hill, KYBarren2
Trenton, KYTodd2
Uniontown, KYUnion2
Utica, KYDaviess2
Water Valley, KYGraves2
West Louisville, KYDaviess2
Whitesville, KYDaviess2
Woodburn, KYWarren2
Adairville, KYLogan1
Bandana, KYBallard1
Barlow, KYBallard1
Bee Spring, KYEdmonson1
Bonnieville, KYHart1
Cave City, KYBarren1
Center, KYMetcalfe1
Columbus, KYHickman1
Cunningham, KYCarlisle1
Custer, KYBreckinridge1
Dunmor, KYMuhlenberg1
Fancy Farm, KYGraves1
Farmington, KYGraves1
Folsomdale, KYGraves1
Fountain Run, KYMonroe1
Gage, KYBallard1
Heath, KYMcCracken1
Horse Cave, KYHart1
Jamestown, KYRussell1
Kevil, KYBallard1
Lewisburg, KYLogan1
Logansport, KYButler1
Lowes, KYGraves1
Lynnville, KYGraves1
Mammoth Cave, KYEdmonson1
Milburn, KYCarlisle1
Nebo, KYHopkins1
Rochester, KYButler1
Sedalia, KYGraves1
Wickliffe, KYBallard1
Wingo, KYGraves1

Eastern time America/New_York · 80 exchanges

Rate centerCountyExchanges
Elizabethtown, KYHardin31
Campbellsville, KYTaylor10
Lebanon, KYMarion9
Radcliff, KYHardin7
Hodgenville, KYLarue4
Cecilia, KYHardin3
North Garrett, KYMeade3
Bradfordsville, KYMarion2
Brandenburg, KYMeade2
Loretto, KYMarion2
Payneville, KYMeade2
Vine Grove, KYHardin2
Battletown, KYMeade1
Buffalo, KYLarue1
Magnolia, KYLarue1

Zone not resolved

We could not pin these exchanges to one time zone; the check requires the window to be open in every zone 270 covers.

Rate centerExchanges
Bessie Bend, KY3
West Plains, KY2
Unspecified rate center, KY1

Related area codes

Overlay codes — same territory as 270, same rules: 364

Other area codes in Kentucky:

Why area code alone is not enough

Questions

What time can you call area code 270?

Area code 270 is in Kentucky, on Central and Eastern time. Debt collection: federal — Presumed convenient 8 a.m.-9 p.m. local time at the consumer's location, any day. Kentucky: no separate hour rule. Telemarketing: federal — 8 a.m.-9 p.m. local time at the called party's location, any day. Kentucky: 10 a.m.-9 p.m. local time at the called person's location, any day.

What time zone is area code 270?

Area code 270 spans Central and Eastern time. The exchange (the three digits after the area code) decides which; when it is unknown, a call should fit the window in every zone the area code covers.

Can a debt collector call a 270 number on Sunday?

Neither federal law nor Kentucky sets separate Sunday hours for debt collection; the 8 a.m.–9 p.m. local-time window applies, and a consumer can tell a collector that Sunday is inconvenient.

Is the 270 area code enough to know the person's local time?

No. Mobile numbers move with their owners and ported numbers keep their area code, so a 270 number may belong to someone in another time zone. If you know other locations for the person, the call should fit the window in all of them.

Sources

Exchange and rate-center data: NANPA CO Code Assignments (utilized, all states) (retrieved 2026-10-07); NANPA NPA listing (area code information) (retrieved 2026-10-07); NANPA rate centers by state (retrieved 2026-10-07); U.S. Census Bureau 2024 Gazetteer (places) (retrieved 2026-10-07); U.S. Census Bureau 2024 Gazetteer (county subdivisions) (retrieved 2026-10-07); U.S. Census Bureau 2024 cartographic boundary file (counties, 1:500k) (retrieved 2026-10-07); USGS GNIS Domestic Names (split-zone states only) (retrieved 2026-10-07); 49 CFR Part 71 - Standard Time Zone Boundaries (retrieved 2026-10-07). Statutes and regulations: 15 U.S.C. § 1692c(a)(1), 12 CFR § 1006.6(b)(1)(i) (Regulation F), Reg F Official Interpretation, comment 6(b)(1)(i)-2 (consumer's location), 12 CFR § 1006.14(b)(2), 47 CFR § 64.1200(c)(1) (TCPA rules), 16 CFR § 310.4(c) (Telemarketing Sales Rule), and the state citations in the rules table.

This page is general information, not legal advice. Laws change and some rules depend on who is calling and why; confirm with counsel. Rules last reviewed 2026-10-07.

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