ZIP Code · KY

ZIP 40160

Part of Radcliff, KY

Pop. 23,624·Hardin County·78th most expensive ZIP in Kentucky

Median rent (all units)

$934/mo

Year-over-Year

+1.7%

Month-over-Month

+1.1%

vs US Median

-$998

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 40160 · $934

More affordable than 99% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$780

1 BR

$790

2 BR

$980

3 BR

$1,360

4 BR+

$1,640

Research median

$980/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Compared with the peak

Rent in ZIP 40160 is 1% below its high of $943 in February 2026, at $934 as of September 2026.

Past year vs. the rest of Kentucky

Rent in ZIP 40160 changed +1.7% over the year to September 2026. Across the 63 Kentucky ZIP codes Zillow tracks, the typical change was +3.3%.

Recent direction

Rent rose in 7 of the last 12 months.

What a typical income covers

30% of the median household income ($58,506) is $1,463 a month. That covers HUD's Fair Market Rent for up to a 3-bedroom ($1,360); a 4-bedroom is $1,640.

From Zillow's monthly rent index (ZORI) for ZIP 40160. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$11,208/yr

At $934/mo median

Location

CityRadcliff

StateKY

CountyHardin County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (1.7% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+1.7% YoY, +1.1% MoM), not inventory.

Demographics

Who lives here

ZIP 40160 (Radcliff, KY) is roughly split between renters and owners, has a median income below the national average, 16.3% of residents hold a bachelor's degree or higher.

Population

23,624

Median income

$58,506

Median age

37.5

Renters

46.1%

Age distribution

24.5%

21.3%

25.6%

13.2%

15.4%

Under 1824.5%

18–3421.3%

35–5425.6%

55–6413.2%

65+15.4%

Gender

47.8%

52.2%

Male47.8%

Female52.2%

Race & ethnicity

63.2%

21.7%

White63.2%

Black21.7%

Hispanic9.6%

Asian3%

Other2.5%

Education (25+)

32%

40.2%

16.3%

No HS diploma11.5%

HS diploma32%

Some college40.2%

Bachelor's+16.3%

Housing tenure

53.9%

46.1%

Owner53.9%

Renter46.1%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2023 vs 2026

How ZIP 40160 in Radcliff, KY has changed in 5 years

Rent

$812 → $934

up 15.0%

Income

$48,378 → $58,506

up 20.9%

Population

23,234 → 23,624

up 1.7%

Renter share

48.9% → 46.1%

-2.8 pts

Bachelor's+

14.4% → 16.3%

+1.9 pts

Median age

35.1 → 37.5

+2.4 yrs

Compared with 2023, rent in ZIP 40160 in Radcliff, KY has increased by $122 per month, settling near $934 after starting the period at $812. Household income in the area moved from $48,378 to $58,506 across the same window, up 20.9% versus 2021. Income growth outran rent by about 5.9 percentage points, easing the affordability math somewhat compared with 2021. Headcount in the area went from 23,234 to 23,624 between 2021 and 2024, a 1.7% change. About 46.1% of households rent today, against 48.9% in 2021. Reading these numbers side by side helps frame whether current listings in ZIP 40160 in Radcliff, KY look reasonable against where the market sat half a decade ago.

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Local insights

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About renting in ZIP 40160

Last updated: October 17, 2026

ZIP code 40160 covers Radcliff, KY. The median rent here is $934/mo as of October 2026. A 1-bedroom rents for a median of $790/mo. A 2-bedroom rents for a median of $980/mo.

At 19% of local median household income ($58,506/yr), ZIP 40160 ranks as affordable compared to the national benchmark of 30%. Rents have increased 1.7% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 40160?

To keep rent at or below 30% of gross income, you would need to earn at least $37,000/year (about $18/hour full-time) to afford the median rent of $934/mo in ZIP 40160. The local median household income is $58,506/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 40160?

Rent in ZIP 40160 has risen 1.7% over the past year as of September 2026. It sits 1% below its high of $943 in February 2026.

How does ZIP 40160 compare to other ZIPs in Kentucky?

ZIP 40160 is one of the more affordable among Kentucky ZIP codes for rent, ranking #78 of 78 at $934/mo. Over the year to September 2026, rent in ZIP 40160 changed +1.7%, against a typical +3.3% across the 63 Kentucky ZIP codes Zillow tracks.