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Ashland city, KY

ZIP 41101 — 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 41101

Median Home Value
$120,100
Median Rent
$658
Affordability Snapshot
$33,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$771/mo PITI).

15%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.2 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 41101 in Ashland city, KY, a household would need roughly $33,000 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 $771. That sits below the local median household income ($53,491), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
59.0%-10% vs US avg
x
Vacancy Rate
11.4%+11% vs US avg
x
Broadband Access
86.7%-0% vs US avg
x
4+ Bedrooms
4.8%-68% vs US avg
x
Built Pre-1939
9.8%-23% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
18.2%-63% vs US avg
x
Mortgage-Free
42.4%+11% vs US avg
x
$120,100
Home Value
$658
Rent
1965
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached75.0%
  • 1-unit attached1.4%
  • 2-9 units13.7%
  • 10+ units8.7%
  • Mobile home & other1.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$120,100
Median rent$658
Owner-occupied59.0%
Vacant11.4%
Price-to-income2.2x
Est. income to buy$33,000