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, KY

ZIP 40734 — 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 40734

Median Home Value
$112,400
Median Rent
$468
Affordability Snapshot
$31,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$722/mo PITI).

14%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.0 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 40734 in KY, a household would need roughly $31,000 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 $722. That sits below the local median household income ($40,270), 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 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.2%+20% vs US avg
x
Vacancy Rate
18.9%+83% vs US avg
x
Broadband Access
88.8%+2% vs US avg
x
4+ Bedrooms
4.4%-70% vs US avg
x
Built Pre-1939
5.5%-57% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
13.9%-72% vs US avg
x
Mortgage-Free
64.9%+70% vs US avg
x
$112,400
Home Value
$468
Rent
1988
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached66.7%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other33.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$112,400
Median rent$468
Owner-occupied78.2%
Vacant18.9%
Price-to-income2.8x
Est. income to buy$31,000