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Williamsburg city, KY

ZIP 40769 — 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 40769

Median Home Value
$94,100
Median Rent
$516
Affordability Snapshot
$26,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$604/mo PITI).

15%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.2 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 40769 in Williamsburg city, KY, a household would need roughly $26,000 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 $604. That sits below the local median household income ($41,772), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
62.6%-4% vs US avg
x
Vacancy Rate
16.8%+63% vs US avg
x
Broadband Access
78.0%-10% vs US avg
x
4+ Bedrooms
4.2%-72% vs US avg
x
Built Pre-1939
2.6%-80% vs US avg
x
Built Post-2014
1.8%-74% vs US avg
x
Rent Burden >30%
16.9%-66% vs US avg
x
Mortgage-Free
52.4%+37% vs US avg
x
$94,100
Home Value
$516
Rent
1988
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 detached55.0%
  • 1-unit attached0.3%
  • 2-9 units10.8%
  • 10+ units2.7%
  • Mobile home & other31.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$94,100
Median rent$516
Owner-occupied62.6%
Vacant16.8%
Price-to-income2.3x
Est. income to buy$26,000