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Madisonville city, KY

ZIP 42431 — 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 42431

Median Home Value
$151,800
Median Rent
$606
Affordability Snapshot
$42,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$975/mo PITI).

13%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.9 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 42431 in Madisonville city, KY, a household would need roughly $42,000 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 $975. That sits below the local median household income ($57,529), 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
67.8%+4% vs US avg
x
Vacancy Rate
13.5%+31% vs US avg
x
Broadband Access
91.3%+5% vs US avg
x
4+ Bedrooms
1.9%-88% vs US avg
x
Built Pre-1939
3.6%-72% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
20.5%-59% vs US avg
x
Mortgage-Free
46.0%+20% vs US avg
x
$151,800
Home Value
$606
Rent
1977
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached76.5%
  • 1-unit attached0.8%
  • 2-9 units11.4%
  • 10+ units2.4%
  • Mobile home & other8.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$151,800
Median rent$606
Owner-occupied67.8%
Vacant13.5%
Price-to-income2.6x
Est. income to buy$42,000