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ZIP 40392 — Housing & Real Estate

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

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 40392

Median Home Value
$154,500
Median Rent
$716
Affordability Snapshot
$43,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$992/mo PITI).

15%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.0 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 40392, a household would need roughly $43,000 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 $992. That sits below the local median household income ($58,834), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
64.5%-1% vs US avg
x
Vacancy Rate
8.8%-15% vs US avg
x
Broadband Access
90.3%+4% vs US avg
x
4+ Bedrooms
1.7%-89% vs US avg
x
Built Pre-1939
8.7%-32% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
5.1%-90% vs US avg
x
Mortgage-Free
40.0%+5% vs US avg
x
$154,500
Home Value
$716
Rent
1990
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached73.1%
  • 1-unit attached12.2%
  • 2-9 units10.0%
  • 10+ units4.1%
  • Mobile home & other0.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$154,500
Median rent$716
Owner-occupied64.5%
Vacant8.8%
Price-to-income2.6x
Est. income to buy$43,000