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Columbia city, KY

ZIP 42728 — 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 42728

Median Home Value
$134,100
Median Rent
$541
Affordability Snapshot
$37,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$861/mo PITI).

13%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.7 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 42728 in Columbia city, KY, a household would need roughly $37,000 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 $861. That sits below the local median household income ($49,063), 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 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.5%+14% vs US avg
x
Vacancy Rate
18.8%+82% vs US avg
x
Broadband Access
84.4%-3% vs US avg
x
4+ Bedrooms
2.1%-86% vs US avg
x
Built Pre-1939
2.6%-80% vs US avg
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
19.4%-61% vs US avg
x
Mortgage-Free
54.0%+41% vs US avg
x
$134,100
Home Value
$541
Rent
1982
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 detached72.3%
  • 1-unit attached1.4%
  • 2-9 units5.9%
  • 10+ units2.2%
  • Mobile home & other18.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$134,100
Median rent$541
Owner-occupied74.5%
Vacant18.8%
Price-to-income2.7x
Est. income to buy$37,000