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, KY

ZIP 42732 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 42732

Median Home Value
$182,400
Median Rent
$765
Affordability Snapshot
$50,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,172/mo PITI).

15%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.9 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 42732 in KY, a household would need roughly $50,000 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 $1,172. That sits below the local median household income ($60,897), 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 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.8%+27% vs US avg
x
Vacancy Rate
22.2%+115% vs US avg
x
Broadband Access
85.1%-2% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
1.2%-83% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
41.4%+8% vs US avg
x
$182,400
Home Value
$765
Rent
1994
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached77.3%
  • 1-unit attached0.0%
  • 2-9 units0.6%
  • 10+ units0.0%
  • Mobile home & other22.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$182,400
Median rent$765
Owner-occupied82.8%
Vacant22.2%
Price-to-income3.0x
Est. income to buy$50,000