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Willisburg city, KY

ZIP 40078 — 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 40078

Median Home Value
$161,600
Median Rent
$533
Affordability Snapshot
$44,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,038/mo PITI).

12%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

25.3 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 40078 in Willisburg city, KY, a household would need roughly $44,000 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 $1,038. That sits below the local median household income ($53,750), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.6%+26% vs US avg
x
Vacancy Rate
10.7%+3% vs US avg
x
Broadband Access
68.9%-21% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
4.6%-64% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
25.5%-49% vs US avg
x
Mortgage-Free
35.0%-8% vs US avg
x
$161,600
Home Value
$533
Rent
1992
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached81.4%
  • 1-unit attached0.1%
  • 2-9 units0.4%
  • 10+ units0.0%
  • Mobile home & other18.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$161,600
Median rent$533
Owner-occupied82.6%
Vacant10.7%
Price-to-income3.0x
Est. income to buy$44,000