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, KY

ZIP 40810 — 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 40810

Median Home Value
$63,600
Median Rent
$328
Affordability Snapshot
$18,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$409/mo PITI).

10%
Rent-to-Income Ratio

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

1.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.2 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 40810 in KY, a household would need roughly $18,000 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 $409. That sits below the local median household income ($38,214), 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 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
85.7%+31% vs US avg
x
Vacancy Rate
17.9%+74% vs US avg
x
Broadband Access
85.4%-2% vs US avg
x
4+ Bedrooms
5.3%-64% vs US avg
x
Built Pre-1939
1.0%-92% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
8.9%-82% vs US avg
x
Mortgage-Free
83.6%+119% vs US avg
x
$63,600
Home Value
$328
Rent
1987
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 detached60.4%
  • 1-unit attached5.2%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other34.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$63,600
Median rent$328
Owner-occupied85.7%
Vacant17.9%
Price-to-income1.7x
Est. income to buy$18,000