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, KY

ZIP 42086 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 42086

Median Home Value
$175,300
Median Rent
$784
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,126/mo PITI).

11%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.6 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 42086 in KY, a household would need roughly $48,000 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 $1,126. That sits below the local median household income ($86,328), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.9%+24% vs US avg
x
Vacancy Rate
13.8%+34% vs US avg
x
Broadband Access
90.7%+4% vs US avg
x
4+ Bedrooms
3.4%-77% vs US avg
x
Built Pre-1939
3.1%-76% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
5.0%-90% vs US avg
x
Mortgage-Free
36.8%-4% vs US avg
x
$175,300
Home Value
$784
Rent
1990
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 detached71.1%
  • 1-unit attached1.9%
  • 2-9 units1.2%
  • 10+ units0.0%
  • Mobile home & other25.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$175,300
Median rent$784
Owner-occupied80.9%
Vacant13.8%
Price-to-income2.0x
Est. income to buy$48,000