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, KY

ZIP 40313 — 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 40313

Median Home Value
$116,200
Median Rent
$762
Affordability Snapshot
$32,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$746/mo PITI).

14%
Rent-to-Income Ratio

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

1.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.7 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 40313 in KY, a household would need roughly $32,000 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 $746. That sits below the local median household income ($64,155), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
63.0%-4% vs US avg
x
Vacancy Rate
14.8%+43% vs US avg
x
Broadband Access
88.1%+1% vs US avg
x
4+ Bedrooms
3.5%-76% vs US avg
x
Built Pre-1939
0.4%-97% vs US avg
x
Built Post-2014
1.8%-75% vs US avg
x
Rent Burden >30%
9.2%-82% vs US avg
x
Mortgage-Free
61.4%+61% vs US avg
x
$116,200
Home Value
$762
Rent
1989
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached59.6%
  • 1-unit attached0.0%
  • 2-9 units14.4%
  • 10+ units0.0%
  • Mobile home & other26.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$116,200
Median rent$762
Owner-occupied63.0%
Vacant14.8%
Price-to-income1.8x
Est. income to buy$32,000