Median home value in zip code 40004 (Bardstown, KY) is $261,512, up 3.7% year over year. Part of the Bardstown, KY metropolitan area.

Home Value$261,512

YoY Change

+3.7%

Prices rising — worse for buyers.

Affordability

Enter your income for 40004 (Bardstown).

Income (annual)

Down Payment

$52,302 on $261,512

Example: $75,000 household income. Change it above to see your own.

Affordable26.8% of income

Under the 28% guideline.

PITI$1,676

P/I26.8%

Afford$273K

Room+$12K

P&I $1,322Tax $187Ins $167

6.50% 30yr, 20% down, county tax + KY ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

40004 is part of the Bardstown, KY metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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