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, KY

ZIP 40464 — 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 40464

Median Home Value
$135,700
Median Rent
N/A
Affordability Snapshot
$37,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$872/mo PITI).

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 40464 in KY, a household would need roughly $37,000 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 $872. That sits below the local median household income ($68,654), 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
90.5%+38% vs US avg
x
Vacancy Rate
9.6%-6% vs US avg
x
Broadband Access
69.9%-20% vs US avg
x
4+ Bedrooms
0.8%-95% vs US avg
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
7.9%+14% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
53.1%+39% vs US avg
x
$135,700
Home Value
N/A
Rent
1990
Year Built
1998
Moved In

Residents have lived here since ~1998 on average

Housing Structure

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

  • 1-unit detached66.8%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other33.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$135,700
Median rent$-666,666,666
Owner-occupied90.5%
Vacant9.6%
Price-to-income2.0x
Est. income to buy$37,000