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, KY

ZIP 40813 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 40813

Median Home Value
$162,500
Median Rent
$375
Affordability Snapshot
$45,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,044/mo PITI).

7%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

36.1 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 40813 in KY, a household would need roughly $45,000 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 $1,044. That sits below the local median household income ($62,381), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
63.6%-3% vs US avg
x
Vacancy Rate
14.1%+37% vs US avg
x
Broadband Access
95.0%+9% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
33.3%-33% vs US avg
x
Mortgage-Free
93.3%+144% vs US avg
x
$162,500
Home Value
$375
Rent
1977
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached79.1%
  • 1-unit attached0.0%
  • 2-9 units10.4%
  • 10+ units0.0%
  • Mobile home & other10.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$162,500
Median rent$375
Owner-occupied63.6%
Vacant14.1%
Price-to-income2.6x
Est. income to buy$45,000