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McHenry city, KY

ZIP 42354 — 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 42354

Median Home Value
$74,500
Median Rent
$508
Affordability Snapshot
$21,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$479/mo PITI).

10%
Rent-to-Income Ratio

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

1.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.2 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 42354 in McHenry city, KY, a household would need roughly $21,000 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 $479. That sits below the local median household income ($62,000), 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
87.0%+33% vs US avg
x
Vacancy Rate
1.1%-90% vs US avg
x
Broadband Access
92.4%+6% vs US avg
x
4+ Bedrooms
3.2%-78% vs US avg
x
Built Pre-1939
2.1%-83% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
8.3%-83% vs US avg
x
Mortgage-Free
65.0%+70% vs US avg
x
$74,500
Home Value
$508
Rent
1991
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 detached66.7%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other33.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$74,500
Median rent$508
Owner-occupied87.0%
Vacant1.1%
Price-to-income1.2x
Est. income to buy$21,000