Easiest ZIP codes to buy in Kentucky
Top 25 easiest ZIP codes to buy into in Kentucky by price-to-income ratio. #1 is 41262 at about 0.6x. Compare buy-in affordability on US5.
These ZIP codes have the lowest median home price-to-income ratios in Kentucky — a practical “buy-in difficulty” signal that combines local home values with local earnings.
Lowest ratios on this board: 41262 at about 0.6x; 41348 at about 0.7x; 41804 (Blackey) at about 0.7x.
Open a ZIP page for an illustrative “estimated income to buy” figure based on a transparent mortgage model (down payment, rate, taxes, and insurance assumptions).
Open any ZIP for a full demographics, income, and housing profile, or return to the Kentucky state page for the complete ZIP table.
Ranked ZIP codes
| # | ZIP | City | County | Price-to-income | Population | Income | Home value |
|---|---|---|---|---|---|---|---|
| 1 | 41262 | — | Martin County | 0.6x | 1,528 | $75,012 | $42,600 |
| 2 | 41348 | — | Breathitt County | 0.7x | 1,220 | $34,223 | $23,200 |
| 3 | 41804 | Blackey | Letcher County | 0.7x | 1,202 | $80,705 | $54,800 |
| 4 | 41555 | — | Pike County | 0.9x | 1,017 | $67,115 | $58,200 |
| 5 | 40972 | Oneida | Clay County | 1.0x | 1,443 | $55,842 | $53,300 |
| 6 | 40009 | Bradfordsville | Marion County | 1.0x | 1,564 | $59,250 | $58,200 |
| 7 | 41840 | Fleming-Neon | Letcher County | 1.0x | 1,064 | $56,786 | $56,400 |
| 8 | 41740 | — | Knott County | 1.0x | 1,056 | $88,446 | $88,300 |
| 9 | 41773 | Vicco | Knott County | 1.0x | 1,089 | $43,352 | $45,200 |
| 10 | 41539 | — | Pike County | 1.0x | 1,486 | $58,160 | $60,700 |
| 11 | 41727 | — | Perry County | 1.2x | 1,500 | $70,688 | $81,400 |
| 12 | 41645 | Maytown | Floyd County | 1.2x | 1,137 | $80,357 | $93,800 |
| 13 | 42036 | Dexter | Calloway County | 1.2x | 1,289 | $95,482 | $119,300 |
| 14 | 41669 | Wheelwright | Floyd County | 1.3x | 1,001 | $41,719 | $56,000 |
| 15 | 40828 | Ages | Harlan County | 1.4x | 4,431 | $39,340 | $53,500 |
| 16 | 41034 | Dover | Mason County | 1.4x | 1,061 | $58,750 | $82,100 |
| 17 | 42450 | Providence | Webster County | 1.4x | 3,589 | $53,533 | $74,900 |
| 18 | 42021 | Arlington | Carlisle County | 1.4x | 1,190 | $56,932 | $81,600 |
| 19 | 41749 | Hyden | Leslie County | 1.5x | 1,979 | $54,167 | $81,500 |
| 20 | 42408 | Dawson Springs | Hopkins County | 1.5x | 6,167 | $54,091 | $82,000 |
| 21 | 42455 | Sebree | Webster County | 1.6x | 3,703 | $67,806 | $108,000 |
| 22 | 42411 | Fredonia | Caldwell County | 1.6x | 1,926 | $59,643 | $96,800 |
| 23 | 42078 | Salem | Livingston County | 1.6x | 1,718 | $48,155 | $78,700 |
| 24 | 40155 | Muldraugh | Meade County | 1.6x | 1,164 | $47,059 | $77,300 |
| 25 | 41862 | — | Knott County | 1.6x | 1,032 | $46,833 | $77,100 |
Frequently asked questions
Which ZIP codes in Kentucky are easiest to buy into?
By median home price-to-income ratio, 41262 ranks near the top at about 0.6x. Lower ratios generally mean local incomes go further against local home prices.
How does US5 rank ZIP codes in Kentucky?
We rank indexable ZIP codes with both income and home-value data by lowest median home price-to-income ratio (with a population floor).
Where can I explore all ZIP codes in Kentucky?
Visit the Kentucky state page for the full ZIP table, demographics summary, and sortable income/housing columns.