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Ghent city, KY

ZIP 41045 — 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 41045

Median Home Value
$170,600
Median Rent
$683
Affordability Snapshot
$47,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,096/mo PITI).

14%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.8 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 41045 in Ghent city, KY, a household would need roughly $47,000 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 $1,096. That sits below the local median household income ($57,381), 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 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.3%+17% vs US avg
x
Vacancy Rate
19.9%+94% vs US avg
x
Broadband Access
86.5%-1% vs US avg
x
4+ Bedrooms
1.1%-92% vs US avg
x
Built Pre-1939
0.3%-98% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
28.8%-42% vs US avg
x
Mortgage-Free
68.4%+79% vs US avg
x
$170,600
Home Value
$683
Rent
1993
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached61.3%
  • 1-unit attached0.5%
  • 2-9 units3.2%
  • 10+ units2.4%
  • Mobile home & other32.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$170,600
Median rent$683
Owner-occupied76.3%
Vacant19.9%
Price-to-income3.0x
Est. income to buy$47,000