US5.com
  1. Home
  2. States
  3. Kentucky
  4. ZIP 42081
  5. Housing & Real Estate
Smithland city, KY

ZIP 42081 — 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 42081

Median Home Value
$172,100
Median Rent
$700
Affordability Snapshot
$47,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,106/mo PITI).

9%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.5 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 42081 in Smithland city, KY, a household would need roughly $47,000 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 $1,106. That sits below the local median household income ($91,250), 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 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
88.9%+36% vs US avg
x
Vacancy Rate
23.4%+127% vs US avg
x
Broadband Access
94.2%+8% vs US avg
x
4+ Bedrooms
8.8%-40% vs US avg
x
Built Pre-1939
3.0%-77% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
16.3%-67% vs US avg
x
Mortgage-Free
59.5%+56% vs US avg
x
$172,100
Home Value
$700
Rent
1980
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 detached76.9%
  • 1-unit attached0.0%
  • 2-9 units2.2%
  • 10+ units0.0%
  • Mobile home & other20.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$172,100
Median rent$700
Owner-occupied88.9%
Vacant23.4%
Price-to-income1.9x
Est. income to buy$47,000