US5.com
  1. Home
  2. States
  3. Kentucky
  4. ZIP 40339
  5. Housing & Real Estate
Keene city, KY

ZIP 40339 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 40339

Median Home Value
$109,000
Median Rent
N/A
Affordability Snapshot
$30,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$700/mo PITI).

0.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 40339 in Keene city, KY, a household would need roughly $30,000 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 $700. That sits below the local median household income ($125,341), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
89.6%+37% vs US avg
x
Vacancy Rate
12.7%+24% vs US avg
x
Broadband Access
87.5%+1% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
10.9%-15% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
20.0%-60% vs US avg
x
Mortgage-Free
13.9%-63% vs US avg
x
$109,000
Home Value
N/A
Rent
1966
Year Built
1989
Moved In

Residents have lived here since ~1989 on average

Housing Structure

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

  • 1-unit detached76.4%
  • 1-unit attached0.0%
  • 2-9 units7.3%
  • 10+ units0.0%
  • Mobile home & other16.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$109,000
Median rent$-666,666,666
Owner-occupied89.6%
Vacant12.7%
Price-to-income0.9x
Est. income to buy$30,000