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, KY

ZIP 40145 — Housing & Real Estate

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

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 40145

Median Home Value
$77,900
Median Rent
N/A
Affordability Snapshot
$21,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$500/mo PITI).

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 40145 in KY, a household would need roughly $21,000 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 $500. That sits below the local median household income ($33,603), 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 54% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.1%+26% vs US avg
x
Vacancy Rate
54.1%+425% vs US avg
x
Broadband Access
71.9%-17% vs US avg
x
4+ Bedrooms
1.3%-91% vs US avg
x
Built Pre-1939
2.6%-80% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
60.7%+59% vs US avg
x
$77,900
Home Value
N/A
Rent
1994
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached61.8%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other38.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$77,900
Median rent$-666,666,666
Owner-occupied82.1%
Vacant54.1%
Price-to-income2.3x
Est. income to buy$21,000