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Barbourville city, KY

ZIP 40906 — 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 40906

Median Home Value
$120,900
Median Rent
$441
Affordability Snapshot
$33,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$777/mo PITI).

24%
Rent-to-Income Ratio

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

5.4x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

22.8 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 40906 in Barbourville city, KY, a household would need roughly $33,000 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 $777. That is about 48% above the local median household income ($22,355), so the median earner would likely stretch or need a larger down payment. 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
62.3%-5% vs US avg
x
Vacancy Rate
19.3%+88% vs US avg
x
Broadband Access
77.6%-11% vs US avg
x
4+ Bedrooms
5.8%-61% vs US avg
x
Built Pre-1939
1.3%-90% vs US avg
x
Built Post-2014
1.6%-76% vs US avg
x
Rent Burden >30%
15.1%-70% vs US avg
x
Mortgage-Free
61.1%+60% vs US avg
x
$120,900
Home Value
$441
Rent
1980
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 detached62.8%
  • 1-unit attached0.3%
  • 2-9 units8.3%
  • 10+ units4.1%
  • Mobile home & other24.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$120,900
Median rent$441
Owner-occupied62.3%
Vacant19.3%
Price-to-income5.4x
Est. income to buy$33,000