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Liberty city, KY

ZIP 42539 — 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 42539

Median Home Value
$129,600
Median Rent
$474
Affordability Snapshot
$36,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$833/mo PITI).

14%
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.

22.8 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 42539 in Liberty city, KY, a household would need roughly $36,000 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 $833. That is roughly in line with the local median household income ($39,988). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
73.9%+13% vs US avg
x
Vacancy Rate
16.2%+57% vs US avg
x
Broadband Access
78.4%-10% vs US avg
x
4+ Bedrooms
5.9%-60% vs US avg
x
Built Pre-1939
4.5%-65% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
14.2%-71% vs US avg
x
Mortgage-Free
64.0%+68% vs US avg
x
$129,600
Home Value
$474
Rent
1985
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached69.4%
  • 1-unit attached0.6%
  • 2-9 units5.0%
  • 10+ units0.8%
  • Mobile home & other24.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$129,600
Median rent$474
Owner-occupied73.9%
Vacant16.2%
Price-to-income3.2x
Est. income to buy$36,000