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, KY

ZIP 41642 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 41642

Median Home Value
$119,800
Median Rent
$770
Affordability Snapshot
$33,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$770/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.

13.0 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 41642 in KY, a household would need roughly $33,000 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 $770. That sits below the local median household income ($123,071), 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
68.6%+5% vs US avg
x
Vacancy Rate
0.0%
x
Broadband Access
72.2%-17% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
6.6%-87% vs US avg
x
Mortgage-Free
72.2%+89% vs US avg
x
$119,800
Home Value
$770
Rent
1984
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached62.4%
  • 1-unit attached0.0%
  • 2-9 units7.7%
  • 10+ units0.0%
  • Mobile home & other29.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$119,800
Median rent$770
Owner-occupied68.6%
Vacant0.0%
Price-to-income1.0x
Est. income to buy$33,000