US5.com
  1. Home
  2. States
  3. Kentucky
  4. ZIP 42003
  5. Housing & Real Estate
Paducah city, KY

ZIP 42003 — 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 42003

Median Home Value
$160,700
Median Rent
$555
Affordability Snapshot
$44,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,032/mo PITI).

12%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

24.1 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 42003 in Paducah city, KY, a household would need roughly $44,000 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 $1,032. That sits below the local median household income ($54,052), 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 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
69.3%+6% vs US avg
x
Vacancy Rate
18.4%+78% vs US avg
x
Broadband Access
87.7%+1% vs US avg
x
4+ Bedrooms
3.5%-77% vs US avg
x
Built Pre-1939
4.1%-68% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
20.3%-59% vs US avg
x
Mortgage-Free
45.9%+20% vs US avg
x
$160,700
Home Value
$555
Rent
1978
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached66.7%
  • 1-unit attached1.9%
  • 2-9 units10.6%
  • 10+ units8.0%
  • Mobile home & other12.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$160,700
Median rent$555
Owner-occupied69.3%
Vacant18.4%
Price-to-income3.0x
Est. income to buy$44,000