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Berry city, KY

ZIP 41003 — 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 41003

Median Home Value
$144,200
Median Rent
$412
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$926/mo PITI).

7%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

29.2 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 41003 in Berry city, KY, a household would need roughly $40,000 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 $926. That sits below the local median household income ($71,875), 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
76.4%+17% vs US avg
x
Vacancy Rate
11.5%+12% vs US avg
x
Broadband Access
84.9%-2% vs US avg
x
4+ Bedrooms
5.4%-64% vs US avg
x
Built Pre-1939
2.8%-78% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
13.1%-74% vs US avg
x
Mortgage-Free
56.0%+46% vs US avg
x
$144,200
Home Value
$412
Rent
1981
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached72.4%
  • 1-unit attached0.0%
  • 2-9 units0.4%
  • 10+ units0.0%
  • Mobile home & other27.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$144,200
Median rent$412
Owner-occupied76.4%
Vacant11.5%
Price-to-income2.0x
Est. income to buy$40,000