US5.com
  1. Home
  2. States
  3. Kentucky
  4. ZIP 40144
  5. Housing & Real Estate
, KY

ZIP 40144 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 40144

Median Home Value
$204,200
Median Rent
N/A
Affordability Snapshot
$56,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,312/mo PITI).

5.0x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 40144 in KY, a household would need roughly $56,000 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 $1,312. That is about 38% above the local median household income ($40,496), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
91.3%+40% vs US avg
x
Vacancy Rate
16.2%+58% vs US avg
x
Broadband Access
65.9%-24% vs US avg
x
4+ Bedrooms
1.7%-88% vs US avg
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
11.6%+68% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
52.7%+38% vs US avg
x
$204,200
Home Value
N/A
Rent
1997
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 detached60.4%
  • 1-unit attached6.3%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other33.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$204,200
Median rent$-666,666,666
Owner-occupied91.3%
Vacant16.2%
Price-to-income5.0x
Est. income to buy$56,000