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ZIP 40476 — 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 40476

Median Home Value
$141,200
Median Rent
$568
Affordability Snapshot
$39,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$907/mo PITI).

19%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

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

20.7 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 40476, a household would need roughly $39,000 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 $907. That is roughly in line with the local median household income ($35,909). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
23.9%-63% vs US avg
x
Vacancy Rate
9.7%-6% vs US avg
x
Broadband Access
77.2%-11% vs US avg
x
4+ Bedrooms
7.7%-48% vs US avg
x
Built Pre-1939
2.6%-80% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
23.1%-54% vs US avg
x
Mortgage-Free
33.3%-13% vs US avg
x
$141,200
Home Value
$568
Rent
1973
Year Built
N/A
Moved In
Housing Structure

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

  • 1-unit detached46.9%
  • 1-unit attached0.0%
  • 2-9 units39.3%
  • 10+ units13.8%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$141,200
Median rent$568
Owner-occupied23.9%
Vacant9.7%
Price-to-income3.9x
Est. income to buy$39,000