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St. Charles city, KY

ZIP 42453 — 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 42453

Median Home Value
$90,800
Median Rent
$629
Affordability Snapshot
$25,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$583/mo PITI).

15%
Rent-to-Income Ratio

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

1.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.0 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 42453 in St. Charles city, KY, a household would need roughly $25,000 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 $583. That sits below the local median household income ($51,364), 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
74.5%+14% vs US avg
x
Vacancy Rate
4.2%-60% vs US avg
x
Broadband Access
81.5%-6% vs US avg
x
4+ Bedrooms
0.5%-96% vs US avg
x
Built Pre-1939
3.1%-76% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
17.0%-66% vs US avg
x
Mortgage-Free
43.8%+15% vs US avg
x
$90,800
Home Value
$629
Rent
1970
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 detached75.0%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other25.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$90,800
Median rent$629
Owner-occupied74.5%
Vacant4.2%
Price-to-income1.8x
Est. income to buy$25,000