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McKee city, KY

ZIP 40447 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 40447

Median Home Value
$102,000
Median Rent
$413
Affordability Snapshot
$28,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$655/mo PITI).

17%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

20.6 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 40447 in McKee city, KY, a household would need roughly $28,000 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 $655. That is roughly in line with the local median household income ($28,795). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.2%+15% vs US avg
x
Vacancy Rate
19.3%+87% vs US avg
x
Broadband Access
81.2%-7% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
3.1%-76% vs US avg
x
Built Post-2014
3.1%-55% vs US avg
x
Rent Burden >30%
16.5%-67% vs US avg
x
Mortgage-Free
58.0%+52% vs US avg
x
$102,000
Home Value
$413
Rent
1992
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 detached66.7%
  • 1-unit attached0.0%
  • 2-9 units7.0%
  • 10+ units2.1%
  • Mobile home & other24.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$102,000
Median rent$413
Owner-occupied75.2%
Vacant19.3%
Price-to-income3.5x
Est. income to buy$28,000