ZIP Code 40902 — Pineville, KY Home Prices (2026)

The typical home in ZIP 40902 (Pineville, Bell County, Kentucky) is worth about $66,000 at roughly $98 per square foot — 24% more affordable than the Pineville median and 77% more affordable than the typical U.S. home.

$66,000

Typical home value

$98

Price per sq ft

#5 of 5

Pineville ZIPs by value

-24%

vs Pineville median

How 40902 compares

ZIP 40902 is one of the more affordable ZIP codes in Pineville: its typical home value of $66,000 ranks #5 of the 5 Pineville ZIP codes we track (the citywide range runs from $66,000 in 40902 to $100,000 in 40813). Per square foot it costs about $98, against $119 for Pineville as a whole, $152 for Kentucky, and $193 nationally.

Area	Typical value	$ / sq ft
ZIP 40902	$66,000	$98
Pineville, KY	$87,000	$119
Bell County	$90,000	$74
Kentucky	$181,000	$152
United States	$289,000	$193

Home value by size in 40902

Using this ZIP’s rate of about $98 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	$98,000
1,500 sq ft	$147,000
2,000 sq ft	$196,000
2,500 sq ft	$245,000
3,000 sq ft	$294,000

Home value appreciation in ZIP 40902

Home prices in ZIP 40902 (its 3-digit ZIP area) have risen about 67% over the last 10 years (≈5.3% a year) and +80.5% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +4.9% — still rising. A home worth $66,000 today was worth roughly $39,474 ten years ago.

+4.9%

1-year change

+52.1%

5-year change

+67.2%

10-year change

+80.5%

20-year change

See where that trend takes a specific home with the home appreciation calculator — Pineville as a whole is +67.2% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.

Calculators for ZIP 40902

Run the numbers for ZIP 40902 with the local rates already filled in — change any input to test your own situation.

Property taxannual tax at local effective rates Income by ZIPmedian income, rent and value for a ZIP Affordability by salarythe price your income supports here Monthly paymentPITI on a home at this price Rent affordabilityyour max rent vs the local median Utility costselectric, gas, water and internet per month Home insurancetypical premium for this state Cost to buildnew-construction cost per sq ft here

Salary needed to buy a home in ZIP 40902

To buy the typical $66,000 home in ZIP 40902 with 20% down, you need a household income of roughly $18,000 a year (about $420 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $21,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$3,300	$520/mo	$22,000/yr
10% (+PMI)	$6,600	$500/mo	$21,000/yr
20%	$13,200	$420/mo	$18,000/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 40902

At about $98 per square foot, here is roughly how much home different budgets get you in ZIP 40902:

Budget	Approx. size	What that looks like locally
$150k	1530 sq ft	above the median — larger homes or the pricier ZIPs
$200k	2040 sq ft	above the median — larger homes or the pricier ZIPs
$250k	2550 sq ft	above the median — larger homes or the pricier ZIPs
$300k	3060 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 40902 home.

Estimate a specific home in 40902

The estimator below is pre-set to ZIP 40902 — 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 40902 sits among Pineville’s 5 ZIP codes:

#	ZIP code	Typical value	$ / sq ft
1	40813	$100,000	$176
2	40958	$91,000	$48
3	40977	$87,000	$119
4	40903	$84,000	$128
5	40902 (this page)	$66,000	$98

ZIP 40902 home prices: frequently asked

What is the average home price in ZIP code 40902? +

The typical home in ZIP 40902 (Pineville, KY) is worth about $66,000 as of 2026. That is 24% more affordable than the Pineville median of $87,000 and 77% more affordable than the U.S. median of $289,000.

What is the price per square foot in 40902? +

About $98 per square foot in 40902, versus $119 across Pineville and $152 across Kentucky. At that rate a 1,500 sq ft home runs roughly $147,000 and a 2,500 sq ft home about $245,000.

What salary do you need to buy a house in ZIP 40902? +

For the typical $66,000 home in ZIP 40902, a household income of about $18,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $21,000; with 5% down about $22,000.

What county is ZIP code 40902 in? +

ZIP code 40902 is in Bell County, Kentucky, in the Pineville area. The typical home across Bell County is worth about $90,000 (~$74/sq ft), so 40902 is 27% more affordable than the county as a whole.

Is 40902 an expensive ZIP code? +

Within Pineville, 40902 ranks #5 of 5 ZIP codes by typical home value, which makes it one of the more affordable ZIP codes in Pineville. Nationally it is relatively affordable.

Are home values in ZIP 40902 going up? +

Over the last 10 years home prices in ZIP 40902 changed about +67.2% (≈5.3% a year), and +4.9% in the latest year, according to the FHFA house price index through 2025. Over 20 years: +80.5%. Past gains are not a guarantee of future ones.

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.