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Flatwoods city, KY

ZIP 41139 — 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 41139

Median Home Value
$109,900
Median Rent
$675
Affordability Snapshot
$30,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$706/mo PITI).

14%
Rent-to-Income Ratio

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

1.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.6 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 41139 in Flatwoods city, KY, a household would need roughly $30,000 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 $706. That sits below the local median household income ($59,550), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
79.6%+22% vs US avg
x
Vacancy Rate
6.5%-37% vs US avg
x
Broadband Access
84.4%-3% vs US avg
x
4+ Bedrooms
2.0%-87% vs US avg
x
Built Pre-1939
1.6%-87% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
26.9%-46% vs US avg
x
Mortgage-Free
49.6%+30% vs US avg
x
$109,900
Home Value
$675
Rent
1974
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 detached79.9%
  • 1-unit attached0.3%
  • 2-9 units7.7%
  • 10+ units1.4%
  • Mobile home & other10.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$109,900
Median rent$675
Owner-occupied79.6%
Vacant6.5%
Price-to-income1.8x
Est. income to buy$30,000