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Campbellsburg city, KY

ZIP 40011 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 40011

Median Home Value
$157,000
Median Rent
$581
Affordability Snapshot
$43,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,009/mo PITI).

12%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.5 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 40011 in Campbellsburg city, KY, a household would need roughly $43,000 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 $1,009. That sits below the local median household income ($58,462), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
76.1%+16% vs US avg
x
Vacancy Rate
6.5%-36% vs US avg
x
Broadband Access
90.4%+4% vs US avg
x
4+ Bedrooms
4.2%-71% vs US avg
x
Built Pre-1939
1.1%-91% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
8.0%-84% vs US avg
x
Mortgage-Free
42.9%+12% vs US avg
x
$157,000
Home Value
$581
Rent
1975
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached83.6%
  • 1-unit attached0.2%
  • 2-9 units4.6%
  • 10+ units0.4%
  • Mobile home & other11.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$157,000
Median rent$581
Owner-occupied76.1%
Vacant6.5%
Price-to-income2.7x
Est. income to buy$43,000