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, KY

ZIP 40055 — 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 40055

Median Home Value
$193,900
Median Rent
$833
Affordability Snapshot
$53,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,246/mo PITI).

12%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.4 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 40055 in KY, a household would need roughly $53,000 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 $1,246. That sits below the local median household income ($83,401), 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

Vacancy rate 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.3%+29% vs US avg
x
Vacancy Rate
14.3%+39% vs US avg
x
Broadband Access
57.6%-34% vs US avg
x
4+ Bedrooms
9.3%-37% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
32.5%-15% vs US avg
x
$193,900
Home Value
$833
Rent
1998
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached92.7%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other7.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$193,900
Median rent$833
Owner-occupied84.3%
Vacant14.3%
Price-to-income2.3x
Est. income to buy$53,000