The market in numbers

$170K
Typical home value across 597 ZIP codes, August 2026
−5.5%
Change in the typical home value over the past 12 months
196 of 597
ZIP codes where home values are higher than a year ago
+4.2%
Typical yearly price growth over the past five years
$1,400
Typical monthly rent, in the 93 ZIP codes with rent data
6.1%
Typical gross rental yield: a year's rent over the home value
3.1×
Typical home value as a multiple of local median household income
+4,414
Net households gained from moves, tax years 2022 to 2023, across its counties

Home values over the last two years

The typical home in Kentucky was worth $170,400 in September 2024 and $169,700 in August 2026, a change of −0.4% over two years. The high point of the period came in May 2025, at $182,300, and values are 6.9% below it today.

Typical home value, last 24 monthsTypical home value in Kentucky by month, from September 2024 ($170,400) to August 2026 ($169,700).$170K$174K$178K$182KSep 2024Sep 2025Aug 2026
Typical home value across the state's ZIP codes, monthly. Source: CITIZEN.

Housing markets by metro

Typical home value, 12-month change and rents for each metro area in Kentucky, largest first. Linked metros have their own report, ZIP code by ZIP code. Where a metro crosses a state line, the figures cover only its part inside Kentucky. Of Kentucky's ZIP codes, 247 lie outside any metro area.

Metro areaZIP codesHome value12 monthsMonthly rentGross yield
Louisville59$291,900+0.8%$1,4006.0%
Lexington25$341,200+3.6%$1,5005.5%
Cincinnati40$262,400+5.3%$1,5006.8%
Bowling Green19$197,600−6.7%$1,3004.9%
Owensboro15$188,900−5.2%n/an/a
Paducah13$161,500−2.3%n/an/a
Richmond6$253,500−0.7%n/an/a
Elizabethtown20$240,900−2.2%$1,3005.8%
London19$137,900−5.1%n/an/a
Madisonville12$129,400−10.6%n/an/a
Clarksville11$215,600−1.1%n/an/a
Danville10$198,100−3.2%n/an/a
Glasgow10$200,000−1.0%n/an/a
Bardstown8$251,700+3.8%n/an/a
Campbellsville7$205,300−1.1%n/an/a
Show all 25 metro areas
Metro areaZIP codesHome value12 monthsMonthly rentGross yield
Louisville59$291,900+0.8%$1,4006.0%
Lexington25$341,200+3.6%$1,5005.5%
Cincinnati40$262,400+5.3%$1,5006.8%
Bowling Green19$197,600−6.7%$1,3004.9%
Owensboro15$188,900−5.2%n/an/a
Paducah13$161,500−2.3%n/an/a
Richmond6$253,500−0.7%n/an/a
Elizabethtown20$240,900−2.2%$1,3005.8%
London19$137,900−5.1%n/an/a
Madisonville12$129,400−10.6%n/an/a
Clarksville11$215,600−1.1%n/an/a
Danville10$198,100−3.2%n/an/a
Glasgow10$200,000−1.0%n/an/a
Bardstown8$251,700+3.8%n/an/a
Campbellsville7$205,300−1.1%n/an/a
Evansville7$181,700−1.4%n/an/a
Murray6$177,300−14.2%n/an/a
Frankfort2$257,400+0.6%n/an/a
Huntington14$140,100−6.6%n/an/a
Mayfield12$186,800+2.9%n/an/a
Mount Sterling9$187,600+1.8%n/an/a
Central City8$125,300−4.7%n/an/a
Somerset8$168,000−2.4%n/an/a
Middlesborough7$77,200−30.4%n/an/a
Maysville3$193,200−7.3%n/an/a

Home values by county

Of Kentucky's 120 counties, Oldham County has the highest typical home value, $393,100, and Knott County the lowest, $62,100. Among counties with at least five ZIP codes, Boone County has risen most over the year, up 6.8%, and Bell County has moved least, down 30.4%.

Show all 120 counties
CountyZIP codesHome value12 monthsMonthly rentGross yield
Oldham County7$393,100+1.4%n/an/a
Woodford County2$369,600+0.8%n/an/a
Fayette County14$359,900+3.8%$1,5006.2%
Boone County7$341,900+6.8%$1,7006.1%
Scott County3$341,200+0.1%n/an/a
Spencer County2$329,700+3.9%n/an/a
Jessamine County2$323,000+2.0%n/an/a
Shelby County7$314,100−4.7%n/an/a
Bullitt County4$300,900−0.8%n/an/a
Warren County8$289,300+3.0%$1,3004.9%
Meade County6$277,500+2.0%n/an/a
Grant County4$271,400+3.2%n/an/a
Madison County4$268,000+1.5%n/an/a
Campbell County9$267,000+1.6%$1,5007.0%
Pendleton County3$265,800+9.6%n/an/a
Mercer County2$265,800−2.2%n/an/a
Anderson County1$265,100+1.6%n/an/a
Kenton County8$262,100−0.7%$1,4007.0%
Washington County3$255,100+3.4%n/an/a
Clark County1$254,700+5.2%n/an/a
Garrard County1$253,200+1.0%n/an/a
Jefferson County33$252,400+1.0%$1,4006.2%
Nelson County7$252,300+5.2%n/an/a
Franklin County1$249,800−0.4%n/an/a
Simpson County1$249,200−0.3%n/an/a
Marion County6$246,500+2.6%n/an/a
Henry County6$238,400+2.2%n/an/a
Trimble County2$236,800−0.1%n/an/a
Todd County5$234,400−4.5%n/an/a
Harrison County2$229,900−2.3%n/an/a
Nicholas County2$227,800+1.3%n/an/a
Taylor County2$224,8000.0%n/an/a
Owen County3$224,400+6.0%n/an/a
Christian County8$224,200+1.3%n/an/a
Larue County3$223,300−5.2%n/an/a
Hardin County8$222,600−3.2%n/an/a
Montgomery County2$220,700+4.5%n/an/a
Daviess County6$216,300+1.2%n/an/a
Barren County6$212,400−2.0%n/an/a
Boyle County4$210,800−2.7%n/an/a
Hancock County2$209,700+3.5%n/an/a
Bracken County4$207,700+5.8%n/an/a
Hart County7$205,000−0.3%n/an/a
Henderson County5$201,500+0.5%n/an/a
Bourbon County2$201,000−7.2%n/an/a
McCracken County4$200,900−3.1%n/an/a
Allen County2$199,700−7.4%n/an/a
Metcalfe County4$198,500+0.3%n/an/a
Robertson County1$198,200+6.0%n/an/a
Marshall County4$195,900−5.0%n/an/a
Gallatin County2$194,100−3.3%n/an/a
Mason County3$193,200−7.3%n/an/a
Logan County5$192,800−1.6%n/an/a
Lyon County2$191,400−7.5%n/an/a
Green County3$190,400−3.1%n/an/a
Carroll County3$190,300−1.9%n/an/a
Bath County4$188,700+2.7%n/an/a
Graves County9$188,200+1.9%n/an/a
Breckinridge County12$185,500−0.4%n/an/a
Lincoln County4$185,400−2.7%n/an/a
Fleming County4$183,400−0.1%n/an/a
Edmonson County4$179,300−0.7%n/an/a
Calloway County6$177,300−14.2%n/an/a
Rowan County2$176,200−4.7%n/an/a
Pulaski County8$168,000−2.4%n/an/a
Butler County3$167,900−6.4%n/an/a
Wayne County1$167,500−2.5%n/an/a
Casey County7$166,400−2.0%n/an/a
Russell County2$165,100−4.6%n/an/a
Adair County4$164,300−13.1%n/an/a
Grayson County5$159,500−17.3%n/an/a
Clinton County2$159,100−10.0%n/an/a
Caldwell County2$159,000−7.5%n/an/a
Webster County5$157,300+4.5%n/an/a
Carter County2$157,200−5.4%n/an/a
Cumberland County1$156,600−7.5%n/an/a
Carlisle County4$155,800−2.0%n/an/a
Lawrence County2$155,500−8.5%n/an/a
Laurel County5$153,500−5.3%n/an/a
Elliott County1$152,300−6.2%n/an/a
Livingston County6$152,100−6.6%n/an/a
Powell County2$149,300−11.0%n/an/a
Ohio County8$145,900−4.6%n/an/a
Monroe County3$144,500+4.2%n/an/a
Greenup County7$144,400−2.8%n/an/a
Union County4$142,500+0.1%n/an/a
Morgan County3$142,400−5.7%n/an/a
McLean County5$142,100−11.1%n/an/a
Johnson County15$139,300−7.3%n/an/a
Boyd County4$138,900−9.4%n/an/a
Ballard County3$136,200−7.5%n/an/a
Knox County10$136,000+5.0%n/an/a
Trigg County1$135,700−25.2%n/an/a
Wolfe County1$135,300−4.4%n/an/a
Lee County1$132,500−7.3%n/an/a
Menifee County3$132,200−15.0%n/an/a
Crittenden County1$131,300−11.0%n/an/a
Hopkins County10$129,400−10.6%n/an/a
Rockcastle County4$127,700−16.3%n/an/a
Hickman County1$127,600−5.3%n/an/a
Whitley County3$127,500−9.3%n/an/a
Muhlenberg County8$125,300−4.7%n/an/a
Magoffin County1$119,000−20.6%n/an/a
Clay County1$116,300−10.5%n/an/a
Owsley County1$115,000−7.5%n/an/a
Lewis County4$112,200−4.8%n/an/a
Jackson County3$105,600−27.8%n/an/a
McCreary County5$104,000−9.7%n/an/a
Estill County2$101,500−9.7%n/an/a
Fulton County2$97,500−6.2%n/an/a
Martin County6$92,300−15.8%n/an/a
Perry County8$89,800−18.7%n/an/a
Pike County27$85,900−10.9%n/an/a
Leslie County4$77,800−17.9%n/an/a
Bell County7$77,200−30.4%n/an/a
Breathitt County1$74,400−19.2%n/an/a
Floyd County26$72,700−19.7%n/an/a
Harlan County16$72,500−13.6%n/an/a
Letcher County12$72,200−13.5%n/an/a
Knott County11$62,100−20.5%n/an/a

Where prices are rising fastest

The ten ZIP codes with the strongest change in home values over the past twelve months. Among the larger half of Kentucky's ZIP codes by population, so that places with only a handful of sales a year do not crowd the list.

ZIP codeAreaHome value12 months5 yrs, per year
42404Clay$142,200+11.1%+5.8%
41033Demossville$265,800+9.6%+6.5%
40507Lexington$417,600+9.3%+6.7%
41004Brooksville$202,000+9.0%+5.3%
40510Lexington$764,100+8.2%+8.9%
41092Verona$329,000+8.2%+4.7%
41006Butler$286,300+7.8%+7.1%
40210Louisville$89,500+7.6%+7.2%
40502Lexington$569,200+7.0%+7.2%
41075Fort Thomas$379,100+6.9%+3.8%

Where prices are falling

Across Kentucky, 401 ZIP codes are below where they were a year ago. These are the ten largest declines among the larger half by population.

ZIP codeAreaHome value12 monthsFrom its peak
40977Pineville$83,000−25.2%−43.8%
42211Cadiz$135,700−25.2%−44.7%
41465Salyersville$119,000−20.6%−22.7%
42721Caneyville$154,000−20.1%−21.0%
41339Jackson$74,400−19.2%−24.6%
41749Hyden$78,100−19.0%−26.4%
40447McKee$105,400−17.3%−26.1%
42754Leitchfield$162,300−16.6%−16.8%
42726Clarkson$159,500−15.8%−15.8%
41635Harold$95,400−15.6%−33.2%

Best rental yields

Gross yield is a year's rent divided by the home value, before costs. These are the highest yields among the larger ZIP codes with rent data.

ZIP codeAreaHome valueMonthly rentGross yieldRent, 12 months
40210Louisville$89,500$1,20016.2%+4.7%
40211Louisville$93,900$1,20014.8%+0.5%
40212Louisville$86,600$1,10014.6%−0.3%
41074Dayton$202,700$1,90011.4%+4.6%
40215Louisville$137,300$1,20010.7%−2.4%
40208Louisville$137,600$1,1009.9%+4.8%
41014Covington$177,700$1,2008.3%+6.9%
40213Louisville$211,300$1,5008.3%n/a
40203Louisville$150,700$1,0008.0%−2.3%
41071Newport$233,900$1,5007.9%+4.4%

Most affordable against local incomes

Home value divided by the median household income of the people who live in the ZIP code. A lower multiple means homes cost fewer years of local earnings. The state typical is 3.1×.

ZIP codeAreaHome valueMedian incomePrice to income
40828Evarts$59,900$41,4001.4×
42081Hampton$142,600$92,9001.5×
41168Rush$139,000$84,3001.6×
40806Baxter$102,700$59,8001.7×
42408Dawson Springs$118,700$60,9001.9×
41858Whitesburg$90,600$45,9002.0×
42450Providence$109,000$54,7002.0×
42442Nortonville$118,100$58,2002.0×
42050Hickman$85,400$41,8002.0×
41339Jackson$74,400$34,8002.1×

Who is moving in

Household moves between the 2022 and 2023 tax years, measured county by county. Summed across its counties, Kentucky gained 4,414 households on net, but the households that left took $256m more income than the arrivals brought. Of its 120 counties, 74 gained households. The tables show the largest gains and losses; the last column is how much more, or less, the average arriving household earned than the average household that left.

CountyNet householdsNet income movedArrivals vs leavers, per household
Madison County+1,354+$74m+$910
Warren County+876+$33m−$1,914
Kenton County+710+$77m+$2,655
Bullitt County+682+$44m+$1,222
Pulaski County+562+$53m+$10,187
Scott County+556+$45m+$2,699
Jessamine County+386+$81m+$15,598
Laurel County+348+$18m+$1,056
CountyNet householdsNet income movedArrivals vs leavers, per household
Shelby County−3,108−$671m−$14,284
Fayette County−1,086−$258m−$10,305
Christian County−984−$55m−$2,236
Hardin County−414−$36m−$1,890
Floyd County−246−$18m−$7,479

What CITIZEN sees

CITIZEN grades every US ZIP code on one national scale, reading price and its direction, rent, local earnings, resident equity and where buyers and their money are arriving from. Grades are ranks: an A is the top 10% of the country, an F the bottom 10%. In Kentucky, 15 of 597 ZIP codes grade A and 265 grade F. Which ones, and why, is in CITIZEN.

Explore CITIZEN →Request access

Questions

Are home prices going up or down in Kentucky?

Down. Home values across Kentucky are down 5.5% over the past twelve months, to a typical $170K, and 196 of its 597 ZIP codes are higher than a year ago.

What is the typical home value in Kentucky?

$169,700 across Kentucky's 597 ZIP codes, as of August 2026. Among its metro areas, the typical home ranges from $125,300 in Central City to $341,200 in Lexington.

What is the cheapest place to buy a house in Kentucky?

Among Kentucky's metro areas with at least eight ZIP codes, Central City has the lowest typical home value, $125,300. Among the larger half of its ZIP codes, 41537 in Jenkins is the cheapest, at $54,600.

Where are home prices rising fastest in Kentucky?

42404 in Clay (+11.1%), 41033 in Demossville (+9.6%) and 40507 in Lexington (+9.3%), over the past twelve months, among the larger half of its ZIP codes.

What is the typical rent in Kentucky?

About $1,400 a month, across the 93 ZIP codes with rent data, up 3.0% over the past year.

Are people moving to Kentucky?

Yes, on balance. Between the 2022 and 2023 tax years, Kentucky gained 4,414 households on net from moves, summed across its counties.

Other states

Sources and method

  • Source: CITIZEN, Lualdi Advisors' US housing market intelligence. Home values and rents through August 2026; household incomes 2020 to 2024; migration for tax years 2022 to 2023.
  • State, metro and county figures are medians across their ZIP codes, not a separate index. The two-year chart is the median ZIP value for each month. Grades and scores are CITIZEN's own.
  • ZIP code lists use the larger half of the state's ZIP codes by population.
  • Updated monthly. Last updated 2026-10-14.