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Silver Grove city, KY

ZIP 41085 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 41085

Median Home Value
$112,800
Median Rent
$436
Affordability Snapshot
$31,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$725/mo PITI).

7%
Rent-to-Income Ratio

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

1.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.6 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 41085 in Silver Grove 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 $725. That sits below the local median household income ($75,875), 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
70.3%+8% vs US avg
x
Vacancy Rate
4.2%-59% vs US avg
x
Broadband Access
88.3%+1% vs US avg
x
4+ Bedrooms
1.4%-91% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
37.0%-25% vs US avg
x
Mortgage-Free
46.4%+21% vs US avg
x
$112,800
Home Value
$436
Rent
1938
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached69.5%
  • 1-unit attached0.0%
  • 2-9 units10.9%
  • 10+ units4.2%
  • Mobile home & other15.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$112,800
Median rent$436
Owner-occupied70.3%
Vacant4.2%
Price-to-income1.5x
Est. income to buy$31,000