Median home value in zip code 40965 (Middlesboro, KY) is $115,310, down 5.7% year over year. Part of the Middlesborough, KY metropolitan area.

Home Value$115,310

YoY Change

-5.7%

Prices falling — better for buyers.

Affordability

Enter your income for 40965 (Middlesboro).

Income (annual)

Down Payment

$23,062 on $115,310

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

Affordable13.3% of income

Under the 28% guideline.

PITI$832

P/I13.3%

Afford$243K

Room+$127K

P&I $583Tax $83Ins $167

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

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

Metro Analysis

40965 is part of the Middlesborough, KY metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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