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Big Clifty CDP, KY

ZIP 42712 — 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 42712

Median Home Value
$145,600
Median Rent
$435
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$935/mo PITI).

11%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

27.9 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 42712 in Big Clifty CDP, KY, a household would need roughly $40,000 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 $935. That sits below the local median household income ($46,926), 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 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
88.8%+36% vs US avg
x
Vacancy Rate
20.1%+95% vs US avg
x
Broadband Access
72.1%-17% vs US avg
x
4+ Bedrooms
4.7%-68% vs US avg
x
Built Pre-1939
1.0%-93% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
62.0%+62% vs US avg
x
$145,600
Home Value
$435
Rent
1991
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached76.5%
  • 1-unit attached1.9%
  • 2-9 units0.9%
  • 10+ units0.0%
  • Mobile home & other20.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$145,600
Median rent$435
Owner-occupied88.8%
Vacant20.1%
Price-to-income3.1x
Est. income to buy$40,000