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Louisa city, KY

ZIP 41230 — 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 41230

Median Home Value
$110,500
Median Rent
$470
Affordability Snapshot
$30,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$710/mo PITI).

12%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.6 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 41230 in Louisa 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 $710. That sits below the local median household income ($45,240), 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
76.5%+17% vs US avg
x
Vacancy Rate
15.0%+46% vs US avg
x
Broadband Access
79.9%-8% vs US avg
x
4+ Bedrooms
3.7%-75% vs US avg
x
Built Pre-1939
2.7%-79% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
12.1%-76% vs US avg
x
Mortgage-Free
59.3%+55% vs US avg
x
$110,500
Home Value
$470
Rent
1988
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached59.1%
  • 1-unit attached0.0%
  • 2-9 units5.3%
  • 10+ units2.5%
  • Mobile home & other33.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$110,500
Median rent$470
Owner-occupied76.5%
Vacant15.0%
Price-to-income2.4x
Est. income to buy$30,000