US5.com
  1. Home
  2. States
  3. Kentucky
  4. ZIP 40322
  5. Housing & Real Estate
Frenchburg city, KY

ZIP 40322 — Housing & Real Estate

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

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 40322

Median Home Value
$119,000
Median Rent
$376
Affordability Snapshot
$33,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$764/mo PITI).

10%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

26.4 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 40322 in Frenchburg city, KY, a household would need roughly $33,000 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 $764. That sits below the local median household income ($44,720), 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 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
69.4%+6% vs US avg
x
Vacancy Rate
20.6%+100% vs US avg
x
Broadband Access
73.8%-15% vs US avg
x
4+ Bedrooms
2.1%-85% vs US avg
x
Built Pre-1939
0.2%-99% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
16.2%-67% vs US avg
x
Mortgage-Free
59.8%+57% vs US avg
x
$119,000
Home Value
$376
Rent
1989
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached72.1%
  • 1-unit attached1.1%
  • 2-9 units5.0%
  • 10+ units1.8%
  • Mobile home & other19.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$119,000
Median rent$376
Owner-occupied69.4%
Vacant20.6%
Price-to-income2.7x
Est. income to buy$33,000