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Loretto city, KY

ZIP 40037 — 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 40037

Median Home Value
$212,100
Median Rent
$531
Affordability Snapshot
$58,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,362/mo PITI).

9%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

33.3 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 40037 in Loretto city, KY, a household would need roughly $58,000 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 $1,362. That sits below the local median household income ($72,708), 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
94.9%+45% vs US avg
x
Vacancy Rate
6.1%-41% vs US avg
x
Broadband Access
89.1%+2% vs US avg
x
4+ Bedrooms
5.7%-62% vs US avg
x
Built Pre-1939
2.2%-83% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
43.2%+13% vs US avg
x
$212,100
Home Value
$531
Rent
1986
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached83.0%
  • 1-unit attached0.4%
  • 2-9 units3.3%
  • 10+ units0.2%
  • Mobile home & other13.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$212,100
Median rent$531
Owner-occupied94.9%
Vacant6.1%
Price-to-income2.9x
Est. income to buy$58,000