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Munfordville city, KY

ZIP 42765 — 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 42765

Median Home Value
$139,100
Median Rent
$524
Affordability Snapshot
$38,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$894/mo PITI).

12%
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.

22.1 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 42765 in Munfordville city, KY, a household would need roughly $38,000 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 $894. That sits below the local median household income ($50,880), 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
65.6%+0% vs US avg
x
Vacancy Rate
8.3%-19% vs US avg
x
Broadband Access
76.8%-12% vs US avg
x
4+ Bedrooms
5.5%-63% vs US avg
x
Built Pre-1939
5.6%-56% vs US avg
x
Built Post-2014
1.4%-79% vs US avg
x
Rent Burden >30%
15.8%-68% vs US avg
x
Mortgage-Free
46.3%+21% vs US avg
x
$139,100
Home Value
$524
Rent
1990
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 detached71.7%
  • 1-unit attached0.0%
  • 2-9 units9.7%
  • 10+ units4.9%
  • Mobile home & other13.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$139,100
Median rent$524
Owner-occupied65.6%
Vacant8.3%
Price-to-income2.7x
Est. income to buy$38,000