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, KY

ZIP 40003 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 40003

Median Home Value
$330,600
Median Rent
$833
Affordability Snapshot
$91,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,124/mo PITI).

13%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.4x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

33.1 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 40003 in KY, a household would need roughly $91,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,124. That is about 20% above the local median household income ($75,956), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
87.0%+33% vs US avg
x
Vacancy Rate
4.9%-53% vs US avg
x
Broadband Access
79.1%-9% vs US avg
x
4+ Bedrooms
8.7%-41% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
2.5%-64% vs US avg
x
Rent Burden >30%
55.8%+12% vs US avg
x
Mortgage-Free
36.7%-4% vs US avg
x
$330,600
Home Value
$833
Rent
1992
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached100.0%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$330,600
Median rent$833
Owner-occupied87.0%
Vacant4.9%
Price-to-income4.4x
Est. income to buy$91,000