US5.com
  1. Home
  2. States
  3. Kentucky
  4. ZIP 40013
  5. Housing & Real Estate
Fairfield city, KY

ZIP 40013 — 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 40013

Median Home Value
$241,500
Median Rent
$713
Affordability Snapshot
$66,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,551/mo PITI).

9%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

28.2 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 40013 in Fairfield city, KY, a household would need roughly $66,000 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 $1,551. That sits below the local median household income ($97,592), 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

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

Heating Fuel
Housing Metrics
Owner Occupied
95.8%+47% vs US avg
x
Vacancy Rate
3.5%-66% vs US avg
x
Broadband Access
89.2%+3% vs US avg
x
4+ Bedrooms
2.1%-86% vs US avg
x
Built Pre-1939
5.1%-60% vs US avg
x
Built Post-2014
4.1%-41% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
27.2%-29% vs US avg
x
$241,500
Home Value
$713
Rent
1999
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 detached96.3%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other3.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$241,500
Median rent$713
Owner-occupied95.8%
Vacant3.5%
Price-to-income2.5x
Est. income to buy$66,000