Median home value in zip code 40445 (East Bernstadt, KY) is $96,857, down 20.8% year over year.

Home Value$96,857

YoY Change

-20.8%

Prices falling — better for buyers.

Affordability

Enter your income for 40445 (East Bernstadt).

Income (annual)

Down Payment

$19,371 on $96,857

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

Affordable11.6% of income

Under the 28% guideline.

PITI$726

P/I11.6%

Afford$233K

Room+$137K

P&I $490Tax $69Ins $167

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

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.