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ZIP 40591
Housing & Real Estate

ZIP 40591 — Housing & Real Estate

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

Upper Middle ClassRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 40591

Median Home Value

$449,500

Median Rent

$1,236

Affordability Snapshot

$124,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,887/mo PITI).

12%

Rent-to-Income Ratio

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

3.6x

Home Price-to-Income Ratio

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

30.3 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 40591, a household would need roughly $124,000 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 $2,887. That is roughly in line with the local median household income ($126,298). 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

66.7%+2% vs US avg

Vacancy Rate

6.3%-39% vs US avg

Broadband Access

98.7%+13% vs US avg

4+ Bedrooms

9.6%-35% vs US avg

Built Pre-1939

0.5%-96% vs US avg

Built Post-2014

0.8%-88% vs US avg

Rent Burden >30%

8.1%-84% vs US avg

Mortgage-Free

46.5%+22% vs US avg

$449,500

Home Value

$1,236

Rent

1996

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 detached60.3%
1-unit attached12.4%
2-9 units4.8%
10+ units22.1%
Mobile home & other0.5%

ZIP 40591 — Housing & Real Estate

Housing & Real Estate in ZIP Code 40591

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