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Brodhead city, KY

ZIP 40409 — 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 40409

Median Home Value
$115,700
Median Rent
$504
Affordability Snapshot
$32,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$743/mo PITI).

12%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.1 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 40409 in Brodhead city, KY, a household would need roughly $32,000 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 $743. That sits below the local median household income ($51,103), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
69.6%+6% vs US avg
x
Vacancy Rate
11.2%+9% vs US avg
x
Broadband Access
75.1%-14% vs US avg
x
4+ Bedrooms
7.9%-46% vs US avg
x
Built Pre-1939
2.3%-82% vs US avg
x
Built Post-2014
2.7%-61% vs US avg
x
Rent Burden >30%
18.4%-63% vs US avg
x
Mortgage-Free
56.5%+48% vs US avg
x
$115,700
Home Value
$504
Rent
1989
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 detached66.7%
  • 1-unit attached0.3%
  • 2-9 units9.7%
  • 10+ units0.7%
  • Mobile home & other22.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$115,700
Median rent$504
Owner-occupied69.6%
Vacant11.2%
Price-to-income2.3x
Est. income to buy$32,000