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Fulton city, KY

ZIP 42041 — 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 42041

Median Home Value
$90,400
Median Rent
$400
Affordability Snapshot
$25,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$581/mo PITI).

13%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.8 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 42041 in Fulton city, KY, a household would need roughly $25,000 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 $581. That sits below the local median household income ($36,366), 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 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
64.7%-1% vs US avg
x
Vacancy Rate
20.5%+99% vs US avg
x
Broadband Access
86.5%-1% vs US avg
x
4+ Bedrooms
3.5%-77% vs US avg
x
Built Pre-1939
13.3%+4% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
32.9%-34% vs US avg
x
Mortgage-Free
67.4%+76% vs US avg
x
$90,400
Home Value
$400
Rent
1972
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached74.8%
  • 1-unit attached1.3%
  • 2-9 units13.5%
  • 10+ units2.0%
  • Mobile home & other8.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$90,400
Median rent$400
Owner-occupied64.7%
Vacant20.5%
Price-to-income2.5x
Est. income to buy$25,000