In 2002, Kentucky had 1,796,900 housing units, 1,599,319 of which were occupied. About 70.8% were owner-occupied. About 66.2% of all units were single-family, detached homes; 14.6% were mobile homes. Though most units relied on utility gas or electricity for heating, about 13,182 units used coke or coal and 41,392 relied on wood. It was estimated that 83,268 units lacked telephone service, 10,116 lacked complete plumbing facilities, and 7,810 lacked complete kitchen facilities. The average household size was 2.49 people.
In 2002, 19,459 privately owned units were authorized for construction. The median home value was $98,132. The median monthly cost for mortgage owners was $870. Renters paid a median of $480 per month. During 2002, Kentucky received $87.2 million in community planning and development aid from the US Department of Housing and Urban Development.