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Ashland city, KY

ZIP 41102 — 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 41102

Median Home Value
$152,900
Median Rent
$555
Affordability Snapshot
$42,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$982/mo PITI).

10%
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.

23.0 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 41102 in Ashland city, KY, a household would need roughly $42,000 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 $982. That sits below the local median household income ($68,110), 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
75.1%+15% vs US avg
x
Vacancy Rate
13.8%+34% vs US avg
x
Broadband Access
88.1%+1% vs US avg
x
4+ Bedrooms
2.0%-87% vs US avg
x
Built Pre-1939
5.3%-59% vs US avg
x
Built Post-2014
0.2%-98% vs US avg
x
Rent Burden >30%
22.0%-56% vs US avg
x
Mortgage-Free
43.4%+14% vs US avg
x
$152,900
Home Value
$555
Rent
1973
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached77.5%
  • 1-unit attached1.8%
  • 2-9 units4.8%
  • 10+ units1.3%
  • Mobile home & other14.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$152,900
Median rent$555
Owner-occupied75.1%
Vacant13.8%
Price-to-income2.2x
Est. income to buy$42,000