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Ferguson city, KY

ZIP 42533 — 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 42533

Median Home Value
$115,000
Median Rent
$525
Affordability Snapshot
$32,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$739/mo PITI).

18%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

18.3 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 42533 in Ferguson city, KY, a household would need roughly $32,000 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 $739. That sits below the local median household income ($35,893), 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 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
62.3%-5% vs US avg
x
Vacancy Rate
10.4%+1% vs US avg
x
Broadband Access
75.8%-13% vs US avg
x
4+ Bedrooms
2.2%-85% vs US avg
x
Built Pre-1939
8.2%-36% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
19.0%-62% vs US avg
x
Mortgage-Free
61.1%+60% vs US avg
x
$115,000
Home Value
$525
Rent
1974
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached86.2%
  • 1-unit attached0.0%
  • 2-9 units9.9%
  • 10+ units0.0%
  • Mobile home & other4.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$115,000
Median rent$525
Owner-occupied62.3%
Vacant10.4%
Price-to-income3.2x
Est. income to buy$32,000