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, KY

ZIP 42236 — 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 42236

Median Home Value
$119,700
Median Rent
$618
Affordability Snapshot
$33,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$769/mo PITI).

10%
Rent-to-Income Ratio

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

1.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.1 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 42236 in KY, a household would need roughly $33,000 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 $769. That sits below the local median household income ($70,893), 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
81.5%+25% vs US avg
x
Vacancy Rate
14.4%+40% vs US avg
x
Broadband Access
76.6%-12% vs US avg
x
4+ Bedrooms
1.5%-90% vs US avg
x
Built Pre-1939
4.5%-65% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
22.6%-54% vs US avg
x
Mortgage-Free
43.4%+13% vs US avg
x
$119,700
Home Value
$618
Rent
1977
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached84.7%
  • 1-unit attached2.4%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other12.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$119,700
Median rent$618
Owner-occupied81.5%
Vacant14.4%
Price-to-income1.7x
Est. income to buy$33,000