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Sadieville city, KY

ZIP 40370 — 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 40370

Median Home Value
$274,100
Median Rent
$605
Affordability Snapshot
$75,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,761/mo PITI).

8%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

37.8 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 40370 in Sadieville city, KY, a household would need roughly $75,000 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 $1,761. That sits below the local median household income ($92,369), 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
86.5%+32% vs US avg
x
Vacancy Rate
8.5%-17% vs US avg
x
Broadband Access
89.5%+3% vs US avg
x
4+ Bedrooms
2.2%-85% vs US avg
x
Built Pre-1939
7.2%-44% vs US avg
x
Built Post-2014
0.8%-89% vs US avg
x
Rent Burden >30%
12.2%-75% vs US avg
x
Mortgage-Free
30.2%-21% vs US avg
x
$274,100
Home Value
$605
Rent
1990
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached82.6%
  • 1-unit attached0.4%
  • 2-9 units0.3%
  • 10+ units0.1%
  • Mobile home & other16.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$274,100
Median rent$605
Owner-occupied86.5%
Vacant8.5%
Price-to-income3.0x
Est. income to buy$75,000