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Wayland city, KY

ZIP 41630 — 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 41630

Median Home Value
$46,100
Median Rent
$457
Affordability Snapshot
$13,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$296/mo PITI).

11%
Rent-to-Income Ratio

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

0.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

8.4 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 41630 in Wayland city, KY, a household would need roughly $13,000 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 $296. That sits below the local median household income ($51,389), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
62.5%-4% vs US avg
x
Vacancy Rate
5.8%-44% vs US avg
x
Broadband Access
74.5%-14% vs US avg
x
4+ Bedrooms
0.7%-95% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
2.7%-95% vs US avg
x
Mortgage-Free
76.3%+100% vs US avg
x
$46,100
Home Value
$457
Rent
1976
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached64.7%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other35.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$46,100
Median rent$457
Owner-occupied62.5%
Vacant5.8%
Price-to-income0.9x
Est. income to buy$13,000