US5.com
  1. Home
  2. States
  3. Kentucky
  4. ZIP 41240
  5. Housing & Real Estate
Paintsville city, KY

ZIP 41240 — 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 41240

Median Home Value
$159,500
Median Rent
$526
Affordability Snapshot
$44,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,025/mo PITI).

15%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

25.3 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 41240 in Paintsville city, KY, a household would need roughly $44,000 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 $1,025. That is roughly in line with the local median household income ($41,000). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
49.4%-24% vs US avg
x
Vacancy Rate
17.6%+71% vs US avg
x
Broadband Access
87.5%+1% vs US avg
x
4+ Bedrooms
8.1%-45% vs US avg
x
Built Pre-1939
10.7%-16% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
21.8%-56% vs US avg
x
Mortgage-Free
59.7%+56% vs US avg
x
$159,500
Home Value
$526
Rent
1980
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached55.0%
  • 1-unit attached1.7%
  • 2-9 units15.2%
  • 10+ units13.9%
  • Mobile home & other14.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$159,500
Median rent$526
Owner-occupied49.4%
Vacant17.6%
Price-to-income3.9x
Est. income to buy$44,000