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Crofton city, KY

ZIP 42217 — 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 42217

Median Home Value
$130,200
Median Rent
$444
Affordability Snapshot
$36,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$836/mo PITI).

9%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

24.4 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 42217 in Crofton city, KY, a household would need roughly $36,000 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 $836. That sits below the local median household income ($60,655), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.6%+28% vs US avg
x
Vacancy Rate
12.1%+17% vs US avg
x
Broadband Access
75.9%-13% vs US avg
x
4+ Bedrooms
3.2%-78% vs US avg
x
Built Pre-1939
7.7%-40% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
13.4%-73% vs US avg
x
Mortgage-Free
57.4%+50% vs US avg
x
$130,200
Home Value
$444
Rent
1985
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached71.4%
  • 1-unit attached0.2%
  • 2-9 units1.6%
  • 10+ units2.7%
  • Mobile home & other24.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$130,200
Median rent$444
Owner-occupied83.6%
Vacant12.1%
Price-to-income2.1x
Est. income to buy$36,000