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, KY

ZIP 41189 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 41189

Median Home Value
$104,300
Median Rent
$578
Affordability Snapshot
$29,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$670/mo PITI).

14%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.0 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 41189 in KY, a household would need roughly $29,000 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 $670. That sits below the local median household income ($50,924), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.8%+28% vs US avg
x
Vacancy Rate
15.1%+47% vs US avg
x
Broadband Access
85.0%-2% vs US avg
x
4+ Bedrooms
4.3%-71% vs US avg
x
Built Pre-1939
4.6%-64% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
7.5%-85% vs US avg
x
Mortgage-Free
52.6%+38% vs US avg
x
$104,300
Home Value
$578
Rent
1992
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached71.4%
  • 1-unit attached0.9%
  • 2-9 units3.5%
  • 10+ units0.0%
  • Mobile home & other24.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$104,300
Median rent$578
Owner-occupied83.8%
Vacant15.1%
Price-to-income2.0x
Est. income to buy$29,000