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Elizaville CDP, KY

ZIP 41039 — 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 41039

Median Home Value
$116,000
Median Rent
$369
Affordability Snapshot
$32,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$745/mo PITI).

7%
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.

26.2 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 41039 in Elizaville CDP, KY, a household would need roughly $32,000 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 $745. That sits below the local median household income ($59,053), 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
80.0%+22% vs US avg
x
Vacancy Rate
9.6%-7% vs US avg
x
Broadband Access
84.0%-3% vs US avg
x
4+ Bedrooms
6.1%-59% vs US avg
x
Built Pre-1939
7.7%-40% vs US avg
x
Built Post-2014
1.9%-72% vs US avg
x
Rent Burden >30%
3.2%-94% vs US avg
x
Mortgage-Free
52.4%+37% vs US avg
x
$116,000
Home Value
$369
Rent
1984
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 detached78.0%
  • 1-unit attached0.0%
  • 2-9 units1.0%
  • 10+ units0.0%
  • Mobile home & other21.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$116,000
Median rent$369
Owner-occupied80.0%
Vacant9.6%
Price-to-income2.0x
Est. income to buy$32,000