US5.com
  1. Home
  2. States
  3. Kentucky
  4. ZIP 41539
  5. Housing & Real Estate
, KY

ZIP 41539 — 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 41539

Median Home Value
$60,700
Median Rent
$375
Affordability Snapshot
$17,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$390/mo PITI).

8%
Rent-to-Income Ratio

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

1.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.5 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 41539 in KY, a household would need roughly $17,000 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 $390. That sits below the local median household income ($58,160), 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
86.0%+31% vs US avg
x
Vacancy Rate
6.1%-41% vs US avg
x
Broadband Access
84.3%-3% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
57.6%+51% vs US avg
x
$60,700
Home Value
$375
Rent
1992
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached47.4%
  • 1-unit attached1.6%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other51.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$60,700
Median rent$375
Owner-occupied86.0%
Vacant6.1%
Price-to-income1.0x
Est. income to buy$17,000