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, KY

ZIP 40737 — 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 40737

Median Home Value
$134,900
Median Rent
$485
Affordability Snapshot
$37,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$867/mo PITI).

10%
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.

23.2 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 40737 in KY, a household would need roughly $37,000 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 $867. That sits below the local median household income ($59,500), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics

Historic housing stock (26% built before 1939)

Owner Occupied
86.5%+32% vs US avg
x
Vacancy Rate
0.0%
x
Broadband Access
98.4%+13% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
26.4%+106% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
35.5%-7% vs US avg
x
$134,900
Home Value
$485
Rent
1991
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 detached61.1%
  • 1-unit attached1.5%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other37.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$134,900
Median rent$485
Owner-occupied86.5%
Vacant0.0%
Price-to-income2.3x
Est. income to buy$37,000