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ZIP 40256 — Housing & Real Estate

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

Middle ClassRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 40256

Median Home Value
$153,000
Median Rent
$658
Affordability Snapshot
$42,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$983/mo PITI).

11%
Rent-to-Income Ratio

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

2.2x
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 40256, a household would need roughly $42,000 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 $983. That sits below the local median household income ($68,804), 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
74.8%+14% vs US avg
x
Vacancy Rate
4.5%-56% vs US avg
x
Broadband Access
82.0%-6% vs US avg
x
4+ Bedrooms
1.3%-91% vs US avg
x
Built Pre-1939
11.3%-11% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
20.3%-59% vs US avg
x
Mortgage-Free
24.0%-37% vs US avg
x
$153,000
Home Value
$658
Rent
1964
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached86.9%
  • 1-unit attached0.0%
  • 2-9 units4.3%
  • 10+ units8.8%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$153,000
Median rent$658
Owner-occupied74.8%
Vacant4.5%
Price-to-income2.2x
Est. income to buy$42,000