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Lancaster city, KY

ZIP 40444 — 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 40444

Median Home Value
$194,100
Median Rent
$583
Affordability Snapshot
$53,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,247/mo PITI).

11%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

27.7 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 40444 in Lancaster city, KY, a household would need roughly $53,000 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 $1,247. That sits below the local median household income ($62,324), 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
79.8%+22% vs US avg
x
Vacancy Rate
9.0%-13% vs US avg
x
Broadband Access
85.5%-2% vs US avg
x
4+ Bedrooms
3.3%-78% vs US avg
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
3.1%-55% vs US avg
x
Rent Burden >30%
23.9%-52% vs US avg
x
Mortgage-Free
37.8%-1% vs US avg
x
$194,100
Home Value
$583
Rent
1987
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached81.6%
  • 1-unit attached0.6%
  • 2-9 units6.0%
  • 10+ units0.3%
  • Mobile home & other11.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$194,100
Median rent$583
Owner-occupied79.8%
Vacant9.0%
Price-to-income3.1x
Est. income to buy$53,000