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Owingsville city, KY

ZIP 40360 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 40360

Median Home Value
$108,500
Median Rent
$428
Affordability Snapshot
$30,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$697/mo PITI).

11%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.1 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 40360 in Owingsville 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 $697. That sits below the local median household income ($48,898), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
66.8%+2% vs US avg
x
Vacancy Rate
14.8%+44% vs US avg
x
Broadband Access
82.8%-5% vs US avg
x
4+ Bedrooms
3.1%-79% vs US avg
x
Built Pre-1939
5.1%-60% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
3.8%-92% vs US avg
x
Mortgage-Free
39.1%+2% vs US avg
x
$108,500
Home Value
$428
Rent
1983
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 detached62.6%
  • 1-unit attached0.0%
  • 2-9 units4.7%
  • 10+ units3.0%
  • Mobile home & other29.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$108,500
Median rent$428
Owner-occupied66.8%
Vacant14.8%
Price-to-income2.2x
Est. income to buy$30,000