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Kentucky
ZIP 41257
Housing & Real Estate

, KY

ZIP 41257 — 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 41257

Median Home Value

$178,300

Median Rent

$630

Affordability Snapshot

$49,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,145/mo PITI).

14%

Rent-to-Income Ratio

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

3.4x

Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

23.6 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 41257 in KY, a household would need roughly $49,000 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 $1,145. That is roughly in line with the local median household income ($52,667). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 11% — check local market conditions.

Heating Fuel

Housing Metrics

Owner Occupied

45.0%-31% vs US avg

Vacancy Rate

11.0%+7% vs US avg

Broadband Access

96.5%+11% vs US avg

4+ Bedrooms

0.0%

Built Pre-1939

0.0%

Built Post-2014

0.0%

Rent Burden >30%

7.8%-84% vs US avg

Mortgage-Free

74.1%+94% vs US avg

$178,300

Home Value

$630

Rent

1994

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 detached45.9%
1-unit attached0.0%
2-9 units22.8%
10+ units10.0%
Mobile home & other21.4%

Historical Trends in 41257 (2020–Present)

Since 2020, population declined 8.3%, median income rose 14.1% (inflation-adjusted), home values increased 89.3%.

Home Value

$178,300

-49% vs US avg

Median Rent

$630

-46% vs US avg

ZIP 41257 — Housing & Real Estate

Housing & Real Estate in ZIP Code 41257

Historical Trends in 41257 (2020–Present)

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Housing & Real Estate key statistics