ZIP Code 40813 — Pineville, KY Home Prices (2026)
The typical home in ZIP 40813 (Pineville, Kentucky) is worth about $100,000 at roughly $53 per square foot — 20% more expensive than the Pineville median and 66% more affordable than the typical U.S. home.
How 40813 compares
ZIP 40813 is one of the pricier ZIP codes in Pineville: its typical home value of $100,000 ranks #1 of the 4 Pineville ZIP codes we track (the citywide range runs from $74,000 in 40958 to $100,000 in 40813). Per square foot it costs about $53, against $94 for Pineville as a whole, $152 for Kentucky, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 40813 | $100,000 | $53 |
| Pineville, KY | $83,000 | $94 |
| Kentucky | $184,500 | $152 |
| United States | $294,000 | $195 |
Home value by size in 40813
Using this ZIP’s rate of about $53 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $53,000 |
| 1,500 sq ft | $79,500 |
| 2,000 sq ft | $106,000 |
| 2,500 sq ft | $132,500 |
| 3,000 sq ft | $159,000 |
Salary needed to buy a home in ZIP 40813
To buy the typical $100,000 home in ZIP 40813 with 20% down, you need a household income of roughly $27,000 a year (about $630 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $32,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $5,000 | $790/mo | $34,000/yr |
| 10% (+PMI) | $10,000 | $750/mo | $32,000/yr |
| 20% | $20,000 | $630/mo | $27,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 40813
At about $53 per square foot, here is roughly how much home different budgets get you in ZIP 40813:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 2830 sq ft | above the median — larger homes or the pricier ZIPs |
| $200k | 3770 sq ft | above the median — larger homes or the pricier ZIPs |
| $250k | 4720 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 5660 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 40813 home.
Estimate a specific home in 40813
The estimator below is pre-set to ZIP 40813 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Pineville ZIP codes by home value
Where 40813 sits among Pineville’s 4 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 40813 (this page) | $100,000 | $53 |
| 2 | 40903 | $86,000 | $142 |
| 3 | 40977 | $80,000 | $134 |
| 4 | 40958 | $74,000 | $39 |
ZIP 40813 home prices: frequently asked
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See the full Pineville home values page, all Kentucky cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.