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Mount Olivet city, KY

ZIP 41064 — 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 41064

Median Home Value
$124,700
Median Rent
$422
Affordability Snapshot
$34,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$801/mo PITI).

10%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

24.6 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 41064 in Mount Olivet city, KY, a household would need roughly $34,000 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 $801. That sits below the local median household income ($49,500), 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

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.5%+17% vs US avg
x
Vacancy Rate
13.0%+26% vs US avg
x
Broadband Access
74.9%-14% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
3.8%-70% vs US avg
x
Built Post-2014
2.8%-59% vs US avg
x
Rent Burden >30%
13.3%-73% vs US avg
x
Mortgage-Free
51.4%+35% vs US avg
x
$124,700
Home Value
$422
Rent
1975
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 detached71.4%
  • 1-unit attached0.7%
  • 2-9 units1.6%
  • 10+ units1.1%
  • Mobile home & other25.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$124,700
Median rent$422
Owner-occupied76.5%
Vacant13.0%
Price-to-income2.5x
Est. income to buy$34,000