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Elkhorn City city, KY

ZIP 41522 — 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 41522

Median Home Value
$88,800
Median Rent
$571
Affordability Snapshot
$24,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$570/mo PITI).

17%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.0 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 41522 in Elkhorn City city, KY, a household would need roughly $24,000 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 $570. That sits below the local median household income ($41,010), 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 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.9%+18% vs US avg
x
Vacancy Rate
19.7%+92% vs US avg
x
Broadband Access
74.8%-14% vs US avg
x
4+ Bedrooms
1.0%-93% vs US avg
x
Built Pre-1939
4.6%-64% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
14.4%-71% vs US avg
x
Mortgage-Free
73.4%+92% vs US avg
x
$88,800
Home Value
$571
Rent
1982
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached52.4%
  • 1-unit attached0.1%
  • 2-9 units3.9%
  • 10+ units1.2%
  • Mobile home & other42.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$88,800
Median rent$571
Owner-occupied76.9%
Vacant19.7%
Price-to-income2.2x
Est. income to buy$24,000