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, KY

ZIP 41049 — 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 41049

Median Home Value
$138,500
Median Rent
$514
Affordability Snapshot
$38,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$890/mo PITI).

12%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.5 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 41049 in KY, a household would need roughly $38,000 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 $890. That sits below the local median household income ($50,208), 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
84.3%+29% vs US avg
x
Vacancy Rate
19.6%+91% vs US avg
x
Broadband Access
76.9%-12% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
1.0%-92% vs US avg
x
Built Post-2014
1.2%-83% vs US avg
x
Rent Burden >30%
13.0%-74% vs US avg
x
Mortgage-Free
63.8%+67% vs US avg
x
$138,500
Home Value
$514
Rent
1987
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 detached58.9%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other41.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$138,500
Median rent$514
Owner-occupied84.3%
Vacant19.6%
Price-to-income2.8x
Est. income to buy$38,000