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Union city, KY

ZIP 41091 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 41091

Median Home Value
$364,300
Median Rent
$1,369
Affordability Snapshot
$100,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,340/mo PITI).

12%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.2 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 41091 in Union city, KY, a household would need roughly $100,000 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 $2,340. That sits below the local median household income ($134,621), 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
92.9%+42% vs US avg
x
Vacancy Rate
4.6%-55% vs US avg
x
Broadband Access
94.8%+9% vs US avg
x
4+ Bedrooms
9.6%-35% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
3.8%-45% vs US avg
x
Rent Burden >30%
10.2%-80% vs US avg
x
Mortgage-Free
26.1%-32% vs US avg
x
$364,300
Home Value
$1,369
Rent
2003
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached87.4%
  • 1-unit attached5.0%
  • 2-9 units3.8%
  • 10+ units2.8%
  • Mobile home & other1.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$364,300
Median rent$1,369
Owner-occupied92.9%
Vacant4.6%
Price-to-income2.7x
Est. income to buy$100,000