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Brooks CDP, KY

ZIP 40109 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 40109

Median Home Value
$239,900
Median Rent
N/A
Affordability Snapshot
$66,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,541/mo PITI).

3.3x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

To comfortably buy a median-priced home in ZIP 40109 in Brooks CDP, 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 $1,541. That sits below the local median household income ($73,350), 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
89.4%+37% vs US avg
x
Vacancy Rate
4.8%-54% vs US avg
x
Broadband Access
73.3%-16% vs US avg
x
4+ Bedrooms
5.9%-60% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
17.5%-65% vs US avg
x
Mortgage-Free
38.4%+0% vs US avg
x
$239,900
Home Value
N/A
Rent
1986
Year Built
2005
Moved In

Residents have lived here since ~2005 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$239,900
Median rent$-666,666,666
Owner-occupied89.4%
Vacant4.8%
Price-to-income3.3x
Est. income to buy$66,000