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Mentor city, KY

ZIP 41007 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 41007

Median Home Value
$295,500
Median Rent
$809
Affordability Snapshot
$81,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,898/mo PITI).

10%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

30.4 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 41007 in Mentor city, KY, a household would need roughly $81,000 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 $1,898. That sits below the local median household income ($101,167), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
96.6%+48% vs US avg
x
Vacancy Rate
7.5%-27% vs US avg
x
Broadband Access
92.5%+6% vs US avg
x
4+ Bedrooms
6.0%-60% vs US avg
x
Built Pre-1939
3.4%-74% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
5.8%-88% vs US avg
x
Mortgage-Free
38.8%+1% vs US avg
x
$295,500
Home Value
$809
Rent
1984
Year Built
2003
Moved In

Residents have lived here since ~2003 on average

Housing Structure

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

  • 1-unit detached91.9%
  • 1-unit attached0.4%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other7.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$295,500
Median rent$809
Owner-occupied96.6%
Vacant7.5%
Price-to-income2.9x
Est. income to buy$81,000