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, KY

ZIP 41238 — 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 41238

Median Home Value
$58,400
Median Rent
$542
Affordability Snapshot
$16,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$375/mo PITI).

14%
Rent-to-Income Ratio

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

1.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

9.0 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 41238 in KY, a household would need roughly $16,000 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 $375. That sits below the local median household income ($45,769), 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 28% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
49.3%-25% vs US avg
x
Vacancy Rate
28.0%+172% vs US avg
x
Broadband Access
90.2%+4% vs US avg
x
4+ Bedrooms
0.5%-97% vs US avg
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
24.0%-52% vs US avg
x
Mortgage-Free
93.2%+144% vs US avg
x
$58,400
Home Value
$542
Rent
1981
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached62.3%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other37.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$58,400
Median rent$542
Owner-occupied49.3%
Vacant28.0%
Price-to-income1.3x
Est. income to buy$16,000