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Nebo city, KY

ZIP 42441 — 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 42441

Median Home Value
$136,100
Median Rent
$675
Affordability Snapshot
$37,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$874/mo PITI).

14%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.8 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 42441 in Nebo city, KY, a household would need roughly $37,000 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 $874. That sits below the local median household income ($57,887), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
88.2%+35% vs US avg
x
Vacancy Rate
12.7%+23% vs US avg
x
Broadband Access
90.5%+4% vs US avg
x
4+ Bedrooms
6.5%-56% vs US avg
x
Built Pre-1939
3.0%-77% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
13.7%-72% vs US avg
x
Mortgage-Free
56.0%+47% vs US avg
x
$136,100
Home Value
$675
Rent
1991
Year Built
2003
Moved In

Residents have lived here since ~2003 on average

Housing Structure

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

  • 1-unit detached72.7%
  • 1-unit attached1.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other26.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$136,100
Median rent$675
Owner-occupied88.2%
Vacant12.7%
Price-to-income2.4x
Est. income to buy$37,000