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Olive Hill city, KY

ZIP 41164 — 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 41164

Median Home Value
$102,900
Median Rent
$402
Affordability Snapshot
$28,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$661/mo PITI).

9%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.3 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 41164 in Olive Hill city, KY, a household would need roughly $28,000 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 $661. That sits below the local median household income ($53,777), 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 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.2%+27% vs US avg
x
Vacancy Rate
18.3%+78% vs US avg
x
Broadband Access
74.7%-14% vs US avg
x
4+ Bedrooms
1.3%-91% vs US avg
x
Built Pre-1939
3.1%-76% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
12.2%-75% vs US avg
x
Mortgage-Free
64.9%+70% vs US avg
x
$102,900
Home Value
$402
Rent
1985
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached65.3%
  • 1-unit attached0.7%
  • 2-9 units4.5%
  • 10+ units0.0%
  • Mobile home & other29.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$102,900
Median rent$402
Owner-occupied83.2%
Vacant18.3%
Price-to-income1.9x
Est. income to buy$28,000