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Central City city, KY

ZIP 42330 — 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 42330

Median Home Value
$140,000
Median Rent
$481
Affordability Snapshot
$39,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$899/mo PITI).

12%
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.

24.3 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 42330 in Central City city, KY, a household would need roughly $39,000 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 $899. That sits below the local median household income ($47,904), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.4%+17% vs US avg
x
Vacancy Rate
13.1%+27% vs US avg
x
Broadband Access
81.6%-6% vs US avg
x
4+ Bedrooms
4.2%-72% vs US avg
x
Built Pre-1939
8.0%-37% vs US avg
x
Built Post-2014
1.6%-77% vs US avg
x
Rent Burden >30%
7.4%-85% vs US avg
x
Mortgage-Free
57.7%+51% vs US avg
x
$140,000
Home Value
$481
Rent
1976
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached72.1%
  • 1-unit attached0.4%
  • 2-9 units6.5%
  • 10+ units2.0%
  • Mobile home & other19.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$140,000
Median rent$481
Owner-occupied76.4%
Vacant13.1%
Price-to-income2.9x
Est. income to buy$39,000