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Pine Knot CDP, KY

ZIP 42635 — 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 42635

Median Home Value
$102,300
Median Rent
$292
Affordability Snapshot
$28,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$657/mo PITI).

10%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

29.2 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 42635 in Pine Knot CDP, KY, a household would need roughly $28,000 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 $657. That sits below the local median household income ($36,506), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
60.1%-8% vs US avg
x
Vacancy Rate
8.5%-17% vs US avg
x
Broadband Access
85.9%-1% vs US avg
x
4+ Bedrooms
0.1%-100% vs US avg
x
Built Pre-1939
1.6%-87% vs US avg
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
12.9%-74% vs US avg
x
Mortgage-Free
57.4%+50% vs US avg
x
$102,300
Home Value
$292
Rent
1986
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 detached61.5%
  • 1-unit attached0.0%
  • 2-9 units20.2%
  • 10+ units0.0%
  • Mobile home & other18.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$102,300
Median rent$292
Owner-occupied60.1%
Vacant8.5%
Price-to-income2.8x
Est. income to buy$28,000