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Upton city, KY

ZIP 42784 — 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 42784

Median Home Value
$156,100
Median Rent
$729
Affordability Snapshot
$43,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,003/mo PITI).

12%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.8 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 42784 in Upton city, KY, a household would need roughly $43,000 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 $1,003. That sits below the local median household income ($72,340), 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 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
70.6%+8% vs US avg
x
Vacancy Rate
10.5%+2% vs US avg
x
Broadband Access
90.2%+4% vs US avg
x
4+ Bedrooms
3.3%-78% vs US avg
x
Built Pre-1939
4.3%-66% vs US avg
x
Built Post-2014
1.9%-73% vs US avg
x
Rent Burden >30%
3.1%-94% vs US avg
x
Mortgage-Free
42.2%+10% vs US avg
x
$156,100
Home Value
$729
Rent
1984
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached75.2%
  • 1-unit attached0.1%
  • 2-9 units0.9%
  • 10+ units0.0%
  • Mobile home & other23.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$156,100
Median rent$729
Owner-occupied70.6%
Vacant10.5%
Price-to-income2.2x
Est. income to buy$43,000