US5.com
  1. Home
  2. States
  3. Kentucky
  4. ZIP 40358
  5. Housing & Real Estate
, KY

ZIP 40358 — 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 40358

Median Home Value
$142,800
Median Rent
$468
Affordability Snapshot
$39,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$917/mo PITI).

7%
Rent-to-Income Ratio

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

1.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

25.4 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 40358 in KY, a household would need roughly $39,000 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 $917. That sits below the local median household income ($84,537), 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
83.0%+27% vs US avg
x
Vacancy Rate
7.5%-27% vs US avg
x
Broadband Access
95.3%+10% vs US avg
x
4+ Bedrooms
1.5%-90% vs US avg
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
11.9%-76% vs US avg
x
Mortgage-Free
30.7%-20% vs US avg
x
$142,800
Home Value
$468
Rent
1994
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached61.9%
  • 1-unit attached0.0%
  • 2-9 units1.9%
  • 10+ units0.0%
  • Mobile home & other36.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$142,800
Median rent$468
Owner-occupied83.0%
Vacant7.5%
Price-to-income1.7x
Est. income to buy$39,000