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Hodgenville city, KY

ZIP 42748 — 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 42748

Median Home Value
$177,000
Median Rent
$630
Affordability Snapshot
$49,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,137/mo PITI).

11%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

23.4 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 42748 in Hodgenville city, KY, a household would need roughly $49,000 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 $1,137. That sits below the local median household income ($70,008), 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
75.3%+15% vs US avg
x
Vacancy Rate
8.6%-16% vs US avg
x
Broadband Access
84.3%-3% vs US avg
x
4+ Bedrooms
4.6%-69% vs US avg
x
Built Pre-1939
2.4%-81% vs US avg
x
Built Post-2014
0.7%-89% vs US avg
x
Rent Burden >30%
29.6%-40% vs US avg
x
Mortgage-Free
48.0%+26% vs US avg
x
$177,000
Home Value
$630
Rent
1978
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 detached84.6%
  • 1-unit attached0.4%
  • 2-9 units5.9%
  • 10+ units1.1%
  • Mobile home & other8.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$177,000
Median rent$630
Owner-occupied75.3%
Vacant8.6%
Price-to-income2.5x
Est. income to buy$49,000