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Betsy Layne CDP, KY

ZIP 41635 — 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 41635

Median Home Value
$77,300
Median Rent
$585
Affordability Snapshot
$21,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$497/mo PITI).

19%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

11.0 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 41635 in Betsy Layne CDP, KY, a household would need roughly $21,000 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 $497. That sits below the local median household income ($37,839), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.3%+20% vs US avg
x
Vacancy Rate
16.1%+56% vs US avg
x
Broadband Access
88.8%+2% vs US avg
x
4+ Bedrooms
1.9%-88% vs US avg
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
25.8%-48% vs US avg
x
Mortgage-Free
60.4%+58% vs US avg
x
$77,300
Home Value
$585
Rent
1989
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached56.3%
  • 1-unit attached0.0%
  • 2-9 units3.3%
  • 10+ units0.4%
  • Mobile home & other40.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$77,300
Median rent$585
Owner-occupied78.3%
Vacant16.1%
Price-to-income2.0x
Est. income to buy$21,000