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Dover city, KY

ZIP 41034 — 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 41034

Median Home Value
$82,100
Median Rent
$425
Affordability Snapshot
$23,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$527/mo PITI).

9%
Rent-to-Income Ratio

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

1.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.1 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 41034 in Dover city, KY, a household would need roughly $23,000 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 $527. That sits below the local median household income ($58,750), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
95.3%+46% vs US avg
x
Vacancy Rate
4.3%-59% vs US avg
x
Broadband Access
79.7%-8% vs US avg
x
4+ Bedrooms
2.6%-82% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
5.3%-89% vs US avg
x
Mortgage-Free
60.5%+58% vs US avg
x
$82,100
Home Value
$425
Rent
1983
Year Built
2000
Moved In

Residents have lived here since ~2000 on average

Housing Structure

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

  • 1-unit detached76.8%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other23.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$82,100
Median rent$425
Owner-occupied95.3%
Vacant4.3%
Price-to-income1.4x
Est. income to buy$23,000