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, KY

ZIP 42054 — 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 42054

Median Home Value
$154,200
Median Rent
$933
Affordability Snapshot
$42,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$991/mo PITI).

20%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.8 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 42054 in KY, a household would need roughly $42,000 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 $991. That sits below the local median household income ($57,065), 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 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
61.5%-6% vs US avg
x
Vacancy Rate
10.3%-0% vs US avg
x
Broadband Access
74.4%-14% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
5.0%-61% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
23.4%-53% vs US avg
x
Mortgage-Free
38.5%+1% vs US avg
x
$154,200
Home Value
$933
Rent
1976
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 detached65.6%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units17.1%
  • Mobile home & other17.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$154,200
Median rent$933
Owner-occupied61.5%
Vacant10.3%
Price-to-income2.7x
Est. income to buy$42,000