ZIP Code 40359 — Worthville, KY Home Prices (2026)
The typical home in ZIP 40359 (Worthville, Kentucky) is worth about $199,000 at roughly $183 per square foot — about the same as the Worthville median and 32% more affordable than the typical U.S. home.
How 40359 compares
ZIP 40359 is a mid-priced ZIP code for Worthville: its typical home value of $199,000 ranks #2 of the 3 Worthville ZIP codes we track (the citywide range runs from $121,000 in 41098 to $233,000 in 40355). Per square foot it costs about $183, against $137 for Worthville as a whole, $152 for Kentucky, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 40359 | $199,000 | $183 |
| Worthville, KY | $199,000 | $137 |
| Kentucky | $184,500 | $152 |
| United States | $294,000 | $195 |
Home value by size in 40359
Using this ZIP’s rate of about $183 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 | $183,000 |
| 1,500 sq ft | $274,500 |
| 2,000 sq ft | $366,000 |
| 2,500 sq ft | $457,500 |
| 3,000 sq ft | $549,000 |
Salary needed to buy a home in ZIP 40359
To buy the typical $199,000 home in ZIP 40359 with 20% down, you need a household income of roughly $54,000 a year (about $1,260 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $64,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $10,000 | $1,570/mo | $67,000/yr |
| 10% (+PMI) | $19,900 | $1,500/mo | $64,000/yr |
| 20% | $39,800 | $1,260/mo | $54,000/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 40359
At about $183 per square foot, here is roughly how much home different budgets get you in ZIP 40359:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 820 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1090 sq ft | around the typical home here |
| $250k | 1370 sq ft | around the typical home here |
| $300k | 1640 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2190 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 40359 home.
Estimate a specific home in 40359
The estimator below is pre-set to ZIP 40359 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Worthville ZIP codes by home value
Where 40359 sits among Worthville’s 3 ZIP codes:
ZIP 40359 home prices: frequently asked
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See the full Worthville 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.