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North Middletown city, KY

ZIP 40357 — Housing & Real Estate

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

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Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 40357

Median Home Value
$95,000
Median Rent
$424
Affordability Snapshot
$26,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$610/mo PITI).

43%
Rent-to-Income Ratio

Above the 30% affordability threshold — housing cost-burdened area.

8.1x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

18.7 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 40357 in North Middletown city, KY, a household would need roughly $26,000 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 $610. That is about 121% above the local median household income ($11,786), 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

Vacancy rate 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
22.5%-66% vs US avg
x
Vacancy Rate
14.9%+45% vs US avg
x
Broadband Access
87.5%+1% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
12.8%-0% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
87.1%+75% vs US avg
x
Mortgage-Free
33.3%-13% vs US avg
x
$95,000
Home Value
$424
Rent
1966
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 detached21.3%
  • 1-unit attached0.0%
  • 2-9 units21.3%
  • 10+ units8.5%
  • Mobile home & other48.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$95,000
Median rent$424
Owner-occupied22.5%
Vacant14.9%
Price-to-income8.1x
Est. income to buy$26,000