US5.com
  1. Home
  2. States
  3. Kentucky
  4. ZIP 42164
  5. Housing & Real Estate
Scottsville city, KY

ZIP 42164 — 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 42164

Median Home Value
$180,100
Median Rent
$558
Affordability Snapshot
$50,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,157/mo PITI).

11%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

26.9 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 42164 in Scottsville city, KY, a household would need roughly $50,000 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 $1,157. That sits below the local median household income ($58,336), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.2%+13% vs US avg
x
Vacancy Rate
13.3%+30% vs US avg
x
Broadband Access
77.6%-11% vs US avg
x
4+ Bedrooms
3.8%-75% vs US avg
x
Built Pre-1939
2.5%-80% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
13.3%-73% vs US avg
x
Mortgage-Free
52.2%+37% vs US avg
x
$180,100
Home Value
$558
Rent
1986
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 detached74.2%
  • 1-unit attached1.2%
  • 2-9 units4.6%
  • 10+ units2.6%
  • Mobile home & other17.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$180,100
Median rent$558
Owner-occupied74.2%
Vacant13.3%
Price-to-income3.1x
Est. income to buy$50,000