Kentucky Housing Market
Buyer-Friendly (Score: 65/100)Median Sale Price
$277,100
+7.9% YoY
Active Inventory
11,926
Days on Market
63 days
Price Drops
27.9%
Demographics & Economics
Source: U.S. Census ACSPopulation
4,510,725
Median Household Income
$62,417
Census Median Home Value
$192,300
Homeownership Rate
68.3%
Vacancy Rate
10.9%
Price-to-Income Ratio
4.4x
Affordability: The median home in Kentucky costs 4.4x the median household income.
Cost of Living & Safety
Sources: HUD, BEA, FBI UCRCost of Living Index
90.159
9.8% below national avg
Cost context: Kentucky has a Regional Price Parity of 90.159 (national average = 100).
Living costs are meaningfully below the national average, making take-home pay stretch further here.
Environment & Risk
Sources: EPA, FEMA NRI, FEMA NFIPOverall Risk Rating
Relatively Moderate
EAL Score
58.9
expected annual loss index
Expected Annual Loss
$2,364,406,419
from natural hazards
earthquake
hurricane
tornado
flooding
wildfire
heat Wave
cold Wave
drought
hail
winter Weather
strong Wind
lightning
Water Violations
501
total SDWIS violations
Flood Insurance Policies
367,898
active NFIP policies
Flood Claims Filed
27,846
historical NFIP claims
Water quality note: EPA SDWIS tracks regulatory violations for public water systems. For the most current and detailed tap water quality in your area with stricter health-based guidelines, visit the EWG Tap Water Database.
Price Trend
Inventory Trend
65
Buyer-Friendly
0 50 100
Kentucky Market Score: 65/100
This score reflects how buyer- or seller-friendly the Kentucky market is right now, based on days on market, price cuts, sale-to-list ratio, inventory levels, and year-over-year price movement.
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