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Winchester city, KY

ZIP 40391 — 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 40391

Median Home Value
$197,200
Median Rent
$691
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,267/mo PITI).

12%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

23.8 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 40391 in Winchester city, KY, a household would need roughly $54,000 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 $1,267. That sits below the local median household income ($67,910), 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
71.5%+9% vs US avg
x
Vacancy Rate
8.1%-21% vs US avg
x
Broadband Access
88.7%+2% vs US avg
x
4+ Bedrooms
4.4%-70% vs US avg
x
Built Pre-1939
5.6%-56% vs US avg
x
Built Post-2014
0.7%-89% vs US avg
x
Rent Burden >30%
14.7%-70% vs US avg
x
Mortgage-Free
35.0%-9% vs US avg
x
$197,200
Home Value
$691
Rent
1979
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 detached70.7%
  • 1-unit attached5.9%
  • 2-9 units13.1%
  • 10+ units3.3%
  • Mobile home & other7.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$197,200
Median rent$691
Owner-occupied71.5%
Vacant8.1%
Price-to-income2.9x
Est. income to buy$54,000