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Wilmore city, KY

ZIP 40390 — 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 40390

Median Home Value
$219,000
Median Rent
$701
Affordability Snapshot
$60,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,407/mo PITI).

12%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

26.0 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 40390 in Wilmore city, KY, a household would need roughly $60,000 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 $1,407. That sits below the local median household income ($71,731), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
57.9%-12% vs US avg
x
Vacancy Rate
11.9%+16% vs US avg
x
Broadband Access
92.3%+6% vs US avg
x
4+ Bedrooms
6.9%-53% vs US avg
x
Built Pre-1939
1.7%-87% vs US avg
x
Built Post-2014
1.2%-82% vs US avg
x
Rent Burden >30%
12.9%-74% vs US avg
x
Mortgage-Free
35.6%-7% vs US avg
x
$219,000
Home Value
$701
Rent
1991
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached68.4%
  • 1-unit attached13.0%
  • 2-9 units13.2%
  • 10+ units1.2%
  • Mobile home & other4.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$219,000
Median rent$701
Owner-occupied57.9%
Vacant11.9%
Price-to-income3.1x
Est. income to buy$60,000