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Cave City city, KY

ZIP 42127 — 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 42127

Median Home Value
$161,700
Median Rent
$548
Affordability Snapshot
$45,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,039/mo PITI).

15%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

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

24.6 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 42127 in Cave City city, KY, a household would need roughly $45,000 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 $1,039. That is roughly in line with the local median household income ($43,190). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
53.5%-18% vs US avg
x
Vacancy Rate
8.8%-14% vs US avg
x
Broadband Access
76.1%-12% vs US avg
x
4+ Bedrooms
2.3%-85% vs US avg
x
Built Pre-1939
2.7%-79% vs US avg
x
Built Post-2014
2.5%-64% vs US avg
x
Rent Burden >30%
25.7%-48% vs US avg
x
Mortgage-Free
45.5%+19% vs US avg
x
$161,700
Home Value
$548
Rent
1987
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached60.4%
  • 1-unit attached1.1%
  • 2-9 units19.0%
  • 10+ units2.3%
  • Mobile home & other17.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$161,700
Median rent$548
Owner-occupied53.5%
Vacant8.8%
Price-to-income3.7x
Est. income to buy$45,000