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Lynch city, KY

ZIP 40855 — Housing & Real Estate

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

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 40855

Median Home Value
$55,700
Median Rent
$395
Affordability Snapshot
$15,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$358/mo PITI).

17%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

11.8 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 40855 in Lynch city, KY, a household would need roughly $15,000 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 $358. That sits below the local median household income ($27,102), 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 37% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
65.3%-0% vs US avg
x
Vacancy Rate
36.7%+257% vs US avg
x
Broadband Access
82.8%-5% vs US avg
x
4+ Bedrooms
9.6%-35% vs US avg
x
Built Pre-1939
1.3%-90% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
19.1%-62% vs US avg
x
Mortgage-Free
87.9%+130% vs US avg
x
$55,700
Home Value
$395
Rent
1938
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached82.0%
  • 1-unit attached12.1%
  • 2-9 units1.0%
  • 10+ units0.0%
  • Mobile home & other4.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$55,700
Median rent$395
Owner-occupied65.3%
Vacant36.7%
Price-to-income2.1x
Est. income to buy$15,000