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Kuttawa city, KY

ZIP 42055 — 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 42055

Median Home Value
$150,000
Median Rent
$411
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$964/mo PITI).

7%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

30.4 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 42055 in Kuttawa city, KY, a household would need roughly $41,000 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 $964. That sits below the local median household income ($67,396), 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 33% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
87.8%+34% vs US avg
x
Vacancy Rate
33.0%+220% vs US avg
x
Broadband Access
91.7%+5% vs US avg
x
4+ Bedrooms
5.3%-65% vs US avg
x
Built Pre-1939
1.6%-87% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
17.8%-64% vs US avg
x
Mortgage-Free
65.0%+70% vs US avg
x
$150,000
Home Value
$411
Rent
1986
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached63.3%
  • 1-unit attached1.8%
  • 2-9 units9.2%
  • 10+ units2.4%
  • Mobile home & other23.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$150,000
Median rent$411
Owner-occupied87.8%
Vacant33.0%
Price-to-income2.2x
Est. income to buy$41,000