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Summer Shade CDP, KY

ZIP 42166 — Housing & Real Estate

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

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 42166

Median Home Value
$108,500
Median Rent
$601
Affordability Snapshot
$30,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$697/mo PITI).

14%
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.

15.0 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 42166 in Summer Shade CDP, KY, a household would need roughly $30,000 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 $697. That sits below the local median household income ($49,915), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
73.1%+12% vs US avg
x
Vacancy Rate
11.7%+13% vs US avg
x
Broadband Access
84.2%-3% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
2.9%-77% vs US avg
x
Built Post-2014
1.2%-83% vs US avg
x
Rent Burden >30%
16.3%-67% vs US avg
x
Mortgage-Free
68.3%+79% vs US avg
x
$108,500
Home Value
$601
Rent
1990
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 detached61.0%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other39.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$108,500
Median rent$601
Owner-occupied73.1%
Vacant11.7%
Price-to-income2.2x
Est. income to buy$30,000