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Junction City city, KY

ZIP 40440 — 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 40440

Median Home Value
$126,000
Median Rent
$532
Affordability Snapshot
$35,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$809/mo PITI).

13%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.7 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 40440 in Junction City city, KY, a household would need roughly $35,000 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 $809. That sits below the local median household income ($50,987), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.1%+29% vs US avg
x
Vacancy Rate
14.2%+38% vs US avg
x
Broadband Access
78.6%-10% vs US avg
x
4+ Bedrooms
2.9%-80% vs US avg
x
Built Pre-1939
4.8%-63% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
25.8%-48% vs US avg
x
Mortgage-Free
36.2%-5% vs US avg
x
$126,000
Home Value
$532
Rent
1977
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached92.3%
  • 1-unit attached0.0%
  • 2-9 units5.5%
  • 10+ units0.0%
  • Mobile home & other2.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$126,000
Median rent$532
Owner-occupied84.1%
Vacant14.2%
Price-to-income2.5x
Est. income to buy$35,000