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Williamstown city, KY

ZIP 41097 — 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 41097

Median Home Value
$166,100
Median Rent
$609
Affordability Snapshot
$46,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,067/mo PITI).

10%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.7 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 41097 in Williamstown city, KY, a household would need roughly $46,000 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 $1,067. That sits below the local median household income ($70,114), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
79.0%+21% vs US avg
x
Vacancy Rate
14.5%+41% vs US avg
x
Broadband Access
86.5%-1% vs US avg
x
4+ Bedrooms
6.7%-54% vs US avg
x
Built Pre-1939
4.0%-69% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
20.4%-59% vs US avg
x
Mortgage-Free
48.3%+26% vs US avg
x
$166,100
Home Value
$609
Rent
1979
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 detached67.2%
  • 1-unit attached2.5%
  • 2-9 units9.1%
  • 10+ units3.1%
  • Mobile home & other18.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$166,100
Median rent$609
Owner-occupied79.0%
Vacant14.5%
Price-to-income2.4x
Est. income to buy$46,000