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Harlan city, KY

ZIP 40806 — 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 40806

Median Home Value
$111,600
Median Rent
$527
Affordability Snapshot
$31,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$717/mo PITI).

11%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.6 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 40806 in Harlan city, KY, a household would need roughly $31,000 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 $717. That sits below the local median household income ($57,135), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.3%+15% vs US avg
x
Vacancy Rate
16.9%+64% vs US avg
x
Broadband Access
79.2%-9% vs US avg
x
4+ Bedrooms
6.9%-54% vs US avg
x
Built Pre-1939
2.6%-80% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
19.4%-61% vs US avg
x
Mortgage-Free
75.2%+97% vs US avg
x
$111,600
Home Value
$527
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 detached76.4%
  • 1-unit attached3.9%
  • 2-9 units8.7%
  • 10+ units0.0%
  • Mobile home & other11.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$111,600
Median rent$527
Owner-occupied75.3%
Vacant16.9%
Price-to-income2.0x
Est. income to buy$31,000