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Mackville city, KY

ZIP 40040 — Housing & Real Estate

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

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 40040

Median Home Value
$143,900
Median Rent
$754
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$924/mo PITI).

34%
Rent-to-Income Ratio

Above the 30% affordability threshold — housing cost-burdened area.

5.5x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

15.9 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 40040 in Mackville city, KY, a household would need roughly $40,000 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 $924. That is about 52% above the local median household income ($26,369), 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

Vacancy rate 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.3%+27% vs US avg
x
Vacancy Rate
23.4%+128% vs US avg
x
Broadband Access
78.2%-10% vs US avg
x
4+ Bedrooms
5.7%-61% vs US avg
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
55.1%+11% vs US avg
x
Mortgage-Free
38.8%+2% vs US avg
x
$143,900
Home Value
$754
Rent
1968
Year Built
2003
Moved In

Residents have lived here since ~2003 on average

Housing Structure

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

  • 1-unit detached81.3%
  • 1-unit attached0.0%
  • 2-9 units0.3%
  • 10+ units0.3%
  • Mobile home & other18.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$143,900
Median rent$754
Owner-occupied83.3%
Vacant23.4%
Price-to-income5.5x
Est. income to buy$40,000