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Livingston city, KY

ZIP 40445 — 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 40445

Median Home Value
$85,700
Median Rent
$274
Affordability Snapshot
$24,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$551/mo PITI).

9%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

26.1 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 40445 in Livingston city, KY, a household would need roughly $24,000 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 $551. That sits below the local median household income ($38,295), 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 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.3%+26% vs US avg
x
Vacancy Rate
21.1%+105% vs US avg
x
Broadband Access
86.0%-1% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
9.2%-28% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
81.7%+114% vs US avg
x
$85,700
Home Value
$274
Rent
1971
Year Built
1998
Moved In

Residents have lived here since ~1998 on average

Housing Structure

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

  • 1-unit detached79.2%
  • 1-unit attached0.0%
  • 2-9 units2.1%
  • 10+ units1.2%
  • Mobile home & other17.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$85,700
Median rent$274
Owner-occupied82.3%
Vacant21.1%
Price-to-income2.2x
Est. income to buy$24,000