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Georgetown city, KY

ZIP 40324 — Housing & Real Estate

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

Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 40324

Median Home Value
$262,700
Median Rent
$1,006
Affordability Snapshot
$72,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,688/mo PITI).

15%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

21.8 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 40324 in Georgetown city, KY, a household would need roughly $72,000 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 $1,688. That sits below the local median household income ($83,012), 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
69.7%+7% vs US avg
x
Vacancy Rate
5.1%-51% vs US avg
x
Broadband Access
91.5%+5% vs US avg
x
4+ Bedrooms
5.2%-65% vs US avg
x
Built Pre-1939
1.6%-87% vs US avg
x
Built Post-2014
1.9%-72% vs US avg
x
Rent Burden >30%
13.6%-73% vs US avg
x
Mortgage-Free
26.3%-31% vs US avg
x
$262,700
Home Value
$1,006
Rent
1999
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached74.4%
  • 1-unit attached3.3%
  • 2-9 units11.7%
  • 10+ units6.3%
  • Mobile home & other4.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$262,700
Median rent$1,006
Owner-occupied69.7%
Vacant5.1%
Price-to-income3.2x
Est. income to buy$72,000