US5.com
  1. Home
  2. States
  3. Kentucky
  4. ZIP 41649
  5. Housing & Real Estate
Martin city, KY

ZIP 41649 — 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 41649

Median Home Value
$68,800
Median Rent
$376
Affordability Snapshot
$19,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$442/mo PITI).

12%
Rent-to-Income Ratio

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

1.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.2 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 41649 in Martin city, KY, a household would need roughly $19,000 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 $442. That sits below the local median household income ($37,681), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
68.6%+5% vs US avg
x
Vacancy Rate
12.2%+19% vs US avg
x
Broadband Access
84.5%-3% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
4.4%-66% vs US avg
x
Built Post-2014
7.2%+5% vs US avg
x
Rent Burden >30%
8.2%-84% vs US avg
x
Mortgage-Free
64.7%+69% vs US avg
x
$68,800
Home Value
$376
Rent
1984
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 detached49.5%
  • 1-unit attached0.0%
  • 2-9 units17.2%
  • 10+ units3.1%
  • Mobile home & other30.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$68,800
Median rent$376
Owner-occupied68.6%
Vacant12.2%
Price-to-income1.8x
Est. income to buy$19,000