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Hardyville CDP, KY

ZIP 42746 — 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 42746

Median Home Value
$107,700
Median Rent
$405
Affordability Snapshot
$30,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$692/mo PITI).

9%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.2 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 42746 in Hardyville CDP, KY, a household would need roughly $30,000 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 $692. That sits below the local median household income ($55,048), 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 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.9%+28% vs US avg
x
Vacancy Rate
23.2%+125% vs US avg
x
Broadband Access
85.4%-2% vs US avg
x
4+ Bedrooms
5.1%-65% vs US avg
x
Built Pre-1939
5.8%-55% vs US avg
x
Built Post-2014
3.1%-56% vs US avg
x
Rent Burden >30%
26.3%-47% vs US avg
x
Mortgage-Free
33.3%-13% vs US avg
x
$107,700
Home Value
$405
Rent
1980
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached78.0%
  • 1-unit attached0.0%
  • 2-9 units1.2%
  • 10+ units0.0%
  • Mobile home & other20.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$107,700
Median rent$405
Owner-occupied83.9%
Vacant23.2%
Price-to-income2.0x
Est. income to buy$30,000