Median home value in zip code 40475 (Richmond, KY) is $292,247, up 2.0% year over year. Part of the Richmond-Berea, KY metropolitan area.

Home Value$292,247

YoY Change

+2.0%

Prices rising — worse for buyers.

Affordability

Enter your income for 40475 (Richmond).

Income (annual)

Down Payment

$58,449 on $292,247

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

Stretch29.7% of income

Above 28% but manageable with cuts.

PITI$1,856

P/I29.7%

Afford$276K

Gap-$17K

P&I $1,478Tax $212Ins $167

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

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

Metro Analysis

40475 is part of the Richmond-Berea, KY metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Richmond-Berea, KY analysis

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

Try Free

Weekly briefing

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