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, KY

ZIP 42274 — 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 42274

Median Home Value
$172,400
Median Rent
$656
Affordability Snapshot
$47,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,107/mo PITI).

10%
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.

21.9 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 42274 in KY, a household would need roughly $47,000 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 $1,107. That sits below the local median household income ($80,823), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
87.7%+34% vs US avg
x
Vacancy Rate
0.0%
x
Broadband Access
82.4%-5% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
5.5%-57% vs US avg
x
Built Post-2014
6.8%-1% vs US avg
x
Rent Burden >30%
12.0%-76% vs US avg
x
Mortgage-Free
39.6%+4% vs US avg
x
$172,400
Home Value
$656
Rent
1990
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached79.2%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other20.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$172,400
Median rent$656
Owner-occupied87.7%
Vacant0.0%
Price-to-income2.1x
Est. income to buy$47,000