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Lexington-Fayette urban county, KY

ZIP 40510 — Housing & Real Estate

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

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Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 40510

Median Home Value
$725,000
Median Rent
N/A
Affordability Snapshot
$200,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,657/mo PITI).

4.7x
Home Price-to-Income Ratio

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

To comfortably buy a median-priced home in ZIP 40510 in Lexington-Fayette urban county, KY, a household would need roughly $200,000 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 $4,657. That is about 29% above the local median household income ($155,625), so the median earner would likely stretch or need a larger down payment. 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
71.8%+10% vs US avg
x
Vacancy Rate
0.0%
x
Broadband Access
99.3%+14% vs US avg
x
4+ Bedrooms
9.9%-33% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
56.2%+47% vs US avg
x
$725,000
Home Value
N/A
Rent
1983
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 detached100.0%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$725,000
Median rent$-666,666,666
Owner-occupied71.8%
Vacant0.0%
Price-to-income4.7x
Est. income to buy$200,000