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, KY

ZIP 41531 — 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 41531

Median Home Value
$93,400
Median Rent
$535
Affordability Snapshot
$26,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$600/mo PITI).

17%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.5 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 41531 in KY, a household would need roughly $26,000 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 $600. That sits below the local median household income ($38,405), 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
78.2%+20% vs US avg
x
Vacancy Rate
5.5%-47% vs US avg
x
Broadband Access
88.2%+1% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
12.8%-0% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
58.8%+18% vs US avg
x
Mortgage-Free
62.2%+63% vs US avg
x
$93,400
Home Value
$535
Rent
1975
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached73.9%
  • 1-unit attached0.0%
  • 2-9 units5.1%
  • 10+ units0.0%
  • Mobile home & other21.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$93,400
Median rent$535
Owner-occupied78.2%
Vacant5.5%
Price-to-income2.4x
Est. income to buy$26,000