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New Haven city, KY

ZIP 40051 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 40051

Median Home Value
$177,100
Median Rent
$531
Affordability Snapshot
$49,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,138/mo PITI).

9%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

27.8 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 40051 in New Haven city, KY, a household would need roughly $49,000 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 $1,138. That sits below the local median household income ($72,675), 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
82.9%+27% vs US avg
x
Vacancy Rate
19.1%+86% vs US avg
x
Broadband Access
89.8%+3% vs US avg
x
4+ Bedrooms
3.3%-78% vs US avg
x
Built Pre-1939
2.9%-77% vs US avg
x
Built Post-2014
3.2%-54% vs US avg
x
Rent Burden >30%
18.4%-63% vs US avg
x
Mortgage-Free
37.3%-2% vs US avg
x
$177,100
Home Value
$531
Rent
1985
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached78.9%
  • 1-unit attached1.9%
  • 2-9 units4.8%
  • 10+ units0.1%
  • Mobile home & other14.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$177,100
Median rent$531
Owner-occupied82.9%
Vacant19.1%
Price-to-income2.4x
Est. income to buy$49,000