US5.com
  1. Home
  2. States
  3. ZIP 40270
  4. Housing & Real Estate
,

ZIP 40270 — Housing & Real Estate

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

Working ClassRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 40270

Median Home Value
$291,300
Median Rent
$997
Affordability Snapshot
$80,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,871/mo PITI).

26%
Rent-to-Income Ratio

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

6.4x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

24.3 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 40270, a household would need roughly $80,000 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 $1,871. That is about 75% above the local median household income ($45,800), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
11.3%-83% vs US avg
x
Vacancy Rate
22.8%+121% vs US avg
x
Broadband Access
91.8%+6% vs US avg
x
4+ Bedrooms
0.4%-97% vs US avg
x
Built Pre-1939
11.5%-10% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
14.2%-71% vs US avg
x
Mortgage-Free
62.5%+63% vs US avg
x
$291,300
Home Value
$997
Rent
1960
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached1.1%
  • 1-unit attached0.0%
  • 2-9 units7.5%
  • 10+ units91.4%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$291,300
Median rent$997
Owner-occupied11.3%
Vacant22.8%
Price-to-income6.4x
Est. income to buy$80,000