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Monticello city, KY

ZIP 42633 — 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 42633

Median Home Value
$124,200
Median Rent
$448
Affordability Snapshot
$34,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$798/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.

23.1 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 42633 in Monticello city, KY, a household would need roughly $34,000 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 $798. That sits below the local median household income ($42,500), 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 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
70.8%+8% vs US avg
x
Vacancy Rate
18.8%+82% vs US avg
x
Broadband Access
83.2%-4% vs US avg
x
4+ Bedrooms
2.2%-85% vs US avg
x
Built Pre-1939
2.5%-80% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
27.6%-44% vs US avg
x
Mortgage-Free
60.8%+59% vs US avg
x
$124,200
Home Value
$448
Rent
1985
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached67.5%
  • 1-unit attached1.1%
  • 2-9 units7.2%
  • 10+ units0.6%
  • Mobile home & other23.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$124,200
Median rent$448
Owner-occupied70.8%
Vacant18.8%
Price-to-income2.9x
Est. income to buy$34,000