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Providence city, KY

ZIP 42450 — 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 42450

Median Home Value
$74,900
Median Rent
$424
Affordability Snapshot
$21,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$481/mo PITI).

10%
Rent-to-Income Ratio

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

1.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.7 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 42450 in Providence city, KY, a household would need roughly $21,000 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 $481. That sits below the local median household income ($53,533), 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
69.6%+6% vs US avg
x
Vacancy Rate
13.4%+30% vs US avg
x
Broadband Access
88.8%+2% vs US avg
x
4+ Bedrooms
0.8%-94% vs US avg
x
Built Pre-1939
8.4%-35% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
10.1%-80% vs US avg
x
Mortgage-Free
71.1%+86% vs US avg
x
$74,900
Home Value
$424
Rent
1968
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached69.9%
  • 1-unit attached6.0%
  • 2-9 units12.3%
  • 10+ units2.7%
  • Mobile home & other9.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$74,900
Median rent$424
Owner-occupied69.6%
Vacant13.4%
Price-to-income1.4x
Est. income to buy$21,000