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Sharpsburg city, KY

ZIP 40374 — 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 40374

Median Home Value
$107,500
Median Rent
$444
Affordability Snapshot
$30,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$691/mo PITI).

13%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.2 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 40374 in Sharpsburg 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 $691. That sits below the local median household income ($40,509), 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
75.1%+15% vs US avg
x
Vacancy Rate
7.8%-25% vs US avg
x
Broadband Access
69.4%-20% vs US avg
x
4+ Bedrooms
3.6%-76% vs US avg
x
Built Pre-1939
6.7%-47% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
20.7%-58% vs US avg
x
Mortgage-Free
53.8%+41% vs US avg
x
$107,500
Home Value
$444
Rent
1983
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 detached60.4%
  • 1-unit attached0.1%
  • 2-9 units3.9%
  • 10+ units3.1%
  • Mobile home & other32.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$107,500
Median rent$444
Owner-occupied75.1%
Vacant7.8%
Price-to-income2.7x
Est. income to buy$30,000