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Eddyville city, KY

ZIP 42038 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 42038

Median Home Value
$195,700
Median Rent
$600
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,257/mo PITI).

11%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

27.2 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 42038 in Eddyville city, KY, a household would need roughly $54,000 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 $1,257. That sits below the local median household income ($64,254), 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 31% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.0%+18% vs US avg
x
Vacancy Rate
31.3%+203% vs US avg
x
Broadband Access
90.3%+4% vs US avg
x
4+ Bedrooms
7.6%-49% vs US avg
x
Built Pre-1939
2.7%-79% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
20.3%-59% vs US avg
x
Mortgage-Free
36.9%-3% vs US avg
x
$195,700
Home Value
$600
Rent
1988
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 detached77.3%
  • 1-unit attached0.0%
  • 2-9 units7.4%
  • 10+ units1.3%
  • Mobile home & other14.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$195,700
Median rent$600
Owner-occupied77.0%
Vacant31.3%
Price-to-income3.0x
Est. income to buy$54,000