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Centertown city, KY

ZIP 42328 — 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 42328

Median Home Value
$91,300
Median Rent
$600
Affordability Snapshot
$25,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$586/mo PITI).

14%
Rent-to-Income Ratio

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

1.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.7 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 42328 in Centertown city, KY, a household would need roughly $25,000 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 $586. That sits below the local median household income ($52,083), 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
85.7%+31% vs US avg
x
Vacancy Rate
8.9%-14% vs US avg
x
Broadband Access
78.6%-10% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
2.2%-83% vs US avg
x
Built Post-2014
1.8%-74% vs US avg
x
Rent Burden >30%
4.5%-91% vs US avg
x
Mortgage-Free
57.8%+51% vs US avg
x
$91,300
Home Value
$600
Rent
1978
Year Built
2002
Moved In

Residents have lived here since ~2002 on average

Housing Structure

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

  • 1-unit detached67.5%
  • 1-unit attached4.3%
  • 2-9 units2.4%
  • 10+ units0.0%
  • Mobile home & other25.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$91,300
Median rent$600
Owner-occupied85.7%
Vacant8.9%
Price-to-income1.8x
Est. income to buy$25,000