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ZIP 40257
Housing & Real Estate

ZIP 40257 — 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 40257

Median Home Value

$339,500

Median Rent

$1,123

Affordability Snapshot

$93,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,181/mo PITI).

19%

Rent-to-Income Ratio

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

4.9x

Home Price-to-Income Ratio

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

25.2 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 40257, a household would need roughly $93,000 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 $2,181. That is about 35% above the local median household income ($69,125), 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

Diverse housing tenure.

Heating Fuel

Housing Metrics

Owner Occupied

21.7%-67% vs US avg

Vacancy Rate

6.8%-34% vs US avg

Broadband Access

89.5%+3% vs US avg

4+ Bedrooms

0.0%

Built Pre-1939

6.5%-49% vs US avg

Built Post-2014

0.4%-94% vs US avg

Rent Burden >30%

17.5%-65% vs US avg

Mortgage-Free

25.5%-33% vs US avg

$339,500

Home Value

$1,123

Rent

1984

Year Built

N/A

Moved In

Housing Structure

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

1-unit detached22.0%
1-unit attached0.0%
2-9 units49.1%
10+ units28.9%
Mobile home & other0.0%

ZIP 40257 — Housing & Real Estate

Housing & Real Estate in ZIP Code 40257

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