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Van Lear CDP, KY

ZIP 41265 — Housing & Real Estate

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

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 41265

Median Home Value
$160,800
Median Rent
$610
Affordability Snapshot
$44,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,033/mo PITI).

21%
Rent-to-Income Ratio

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

4.7x
Home Price-to-Income Ratio

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

22.0 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 41265 in Van Lear CDP, KY, a household would need roughly $44,000 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 $1,033. That is about 28% above the local median household income ($34,342), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 29% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.8%+27% vs US avg
x
Vacancy Rate
29.1%+182% vs US avg
x
Broadband Access
86.3%-1% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
17.1%-66% vs US avg
x
Mortgage-Free
47.9%+25% vs US avg
x
$160,800
Home Value
$610
Rent
1978
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 detached79.1%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units2.1%
  • Mobile home & other18.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$160,800
Median rent$610
Owner-occupied82.8%
Vacant29.1%
Price-to-income4.7x
Est. income to buy$44,000