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Barbourville city, KY

ZIP 40915 — 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 40915

Median Home Value
$9,999
Median Rent
$345
Affordability Snapshot
$3,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$64/mo PITI).

10%
Rent-to-Income Ratio

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

0.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

2.4 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 40915 in Barbourville city, KY, a household would need roughly $3,000 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 $64. That sits below the local median household income ($41,209), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
40.4%-38% vs US avg
x
Vacancy Rate
10.8%+5% vs US avg
x
Broadband Access
86.8%-0% vs US avg
x
4+ Bedrooms
6.9%-53% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
100.0%+162% vs US avg
x
$9,999
Home Value
$345
Rent
1986
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached12.5%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other87.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$9,999
Median rent$345
Owner-occupied40.4%
Vacant10.8%
Price-to-income0.2x
Est. income to buy$3,000