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Trenton city, KY

ZIP 42286 — 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 42286

Median Home Value
$196,200
Median Rent
$723
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,260/mo PITI).

13%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.6 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 42286 in Trenton city, KY, a household would need roughly $54,000 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 $1,260. That sits below the local median household income ($66,897), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
71.0%+9% vs US avg
x
Vacancy Rate
9.9%-4% vs US avg
x
Broadband Access
64.8%-26% vs US avg
x
4+ Bedrooms
17.7%+19% vs US avg
x
Built Pre-1939
9.2%-28% vs US avg
x
Built Post-2014
3.9%-44% vs US avg
x
Rent Burden >30%
0.6%-99% vs US avg
x
Mortgage-Free
68.1%+78% vs US avg
x
$196,200
Home Value
$723
Rent
1982
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached88.7%
  • 1-unit attached2.1%
  • 2-9 units0.5%
  • 10+ units0.0%
  • Mobile home & other8.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$196,200
Median rent$723
Owner-occupied71.0%
Vacant9.9%
Price-to-income2.9x
Est. income to buy$54,000