US5.com
  1. Home
  2. States
  3. Kentucky
  4. ZIP 42420
  5. Housing & Real Estate
Henderson city, KY

ZIP 42420 — 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 42420

Median Home Value
$164,800
Median Rent
$622
Affordability Snapshot
$45,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,059/mo PITI).

13%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.1 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 42420 in Henderson city, KY, a household would need roughly $45,000 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 $1,059. That sits below the local median household income ($56,661), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
61.0%-7% vs US avg
x
Vacancy Rate
7.4%-28% vs US avg
x
Broadband Access
88.4%+2% vs US avg
x
4+ Bedrooms
2.2%-85% vs US avg
x
Built Pre-1939
8.1%-37% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
22.4%-55% vs US avg
x
Mortgage-Free
46.4%+22% vs US avg
x
$164,800
Home Value
$622
Rent
1976
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached64.7%
  • 1-unit attached1.8%
  • 2-9 units16.7%
  • 10+ units8.2%
  • Mobile home & other8.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$164,800
Median rent$622
Owner-occupied61.0%
Vacant7.4%
Price-to-income2.9x
Est. income to buy$45,000