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Calvert City city, KY

ZIP 42044 — 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 42044

Median Home Value
$237,400
Median Rent
$485
Affordability Snapshot
$65,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,525/mo PITI).

10%
Rent-to-Income Ratio

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

4.0x
Home Price-to-Income Ratio

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

40.8 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 42044 in Calvert City city, KY, a household would need roughly $65,000 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 $1,525. That is roughly in line with the local median household income ($59,432). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 33% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
89.5%+37% vs US avg
x
Vacancy Rate
33.0%+221% vs US avg
x
Broadband Access
85.2%-2% vs US avg
x
4+ Bedrooms
4.7%-68% vs US avg
x
Built Pre-1939
0.9%-93% vs US avg
x
Built Post-2014
1.3%-82% vs US avg
x
Rent Burden >30%
24.1%-52% vs US avg
x
Mortgage-Free
56.6%+48% vs US avg
x
$237,400
Home Value
$485
Rent
1990
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 detached84.4%
  • 1-unit attached0.6%
  • 2-9 units4.3%
  • 10+ units0.5%
  • Mobile home & other10.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$237,400
Median rent$485
Owner-occupied89.5%
Vacant33.0%
Price-to-income4.0x
Est. income to buy$65,000