Kentucky housing market
Statewide listing data for September 2026, the latest month Realtor.com® Economic Research has published, with two years of history. Checked October 7, 2026.
Kentucky at a glance
SoutheastSource: Realtor.com® Economic Research (Kentucky, September 2026). Asking prices and active listings, not closed sales.
What the data says
- There are 14.8% more homes for sale in Kentucky than a year ago.
- The median asking price is down 0.7% from a year ago.
- 23% of active listings have had at least one price reduction.
- The typical listing spends 55 days on the market, 3 days longer than a year ago.
Repeat sales and appraisals of the same homes, published quarterly with a lag of about two months.
Two-year trend
Median listing price, Kentucky
| Period | Value |
|---|---|
| 2024-09-01 | $300K |
| 2024-10-01 | $300K |
| 2024-11-01 | $299K |
| 2024-12-01 | $299K |
| 2025-01-01 | $296K |
| 2025-02-01 | $299K |
| 2025-03-01 | $300K |
| 2025-04-01 | $310K |
| 2025-05-01 | $315K |
| 2025-06-01 | $315K |
| 2025-07-01 | $315K |
| 2025-08-01 | $310K |
| 2025-09-01 | $310K |
| 2025-10-01 | $309K |
| 2025-11-01 | $300K |
| 2025-12-01 | $300K |
| 2026-01-01 | $299K |
| 2026-02-01 | $299K |
| 2026-03-01 | $299K |
| 2026-04-01 | $300K |
| 2026-05-01 | $312K |
| 2026-06-01 | $315K |
| 2026-07-01 | $313K |
| 2026-08-01 | $310K |
| 2026-09-01 | $308K |
Homes for sale, Kentucky
| Period | Value |
|---|---|
| 2024-09-01 | 10K |
| 2024-10-01 | 10K |
| 2024-11-01 | 11K |
| 2024-12-01 | 10K |
| 2025-01-01 | 9,394 |
| 2025-02-01 | 9,072 |
| 2025-03-01 | 9,053 |
| 2025-04-01 | 9,547 |
| 2025-05-01 | 10K |
| 2025-06-01 | 11K |
| 2025-07-01 | 11K |
| 2025-08-01 | 11K |
| 2025-09-01 | 12K |
| 2025-10-01 | 12K |
| 2025-11-01 | 12K |
| 2025-12-01 | 12K |
| 2026-01-01 | 11K |
| 2026-02-01 | 10K |
| 2026-03-01 | 11K |
| 2026-04-01 | 11K |
| 2026-05-01 | 12K |
| 2026-06-01 | 12K |
| 2026-07-01 | 13K |
| 2026-08-01 | 13K |
| 2026-09-01 | 14K |
Listings follow a seasonal pattern each year; compare a month with the same month a year earlier.
Kentucky compared with the U.S.
Compare with another state| Measure | Kentucky | United States |
|---|---|---|
| Median listing price | $307,775 (−0.7% y/y) | $419,250 (−1.4% y/y) |
| Homes for sale | 13,667 (+14.8% y/y) | 1,161,615 (+5.4% y/y) |
| Median days on market | 55 days (+3 days y/y) | 61 days (Unchanged y/y) |
| Listings with a price cut | 22.6% (+1.7 pts y/y) | 20.8% (+0.9 pts y/y) |
| Median list price per sq ft | $174 (+0.3% y/y) | $223 (−1.7% y/y) |
Sources: Realtor.com® Economic Research (Kentucky, September 2026); Realtor.com® Economic Research (United States, September 2026). “y/y” is the change from the same month a year earlier.
An affordability illustration
Run your own numbersThe inputs
- Median listing price (September 2026)$307,775
- Down payment20% ($61,555)
- Loan amount$246,220
- Rate: 30-year fixed, national (Week of Oct 1, 2026)7.28%
- Median household income, Kentucky (2025)$73,750
This is an illustration, not a lender calculation. It leaves out property taxes, homeowners insurance, mortgage insurance and HOA dues, which can add several hundred dollars or more a month. The rate is a national average for strong-credit borrowers; your rate may differ.
Sources: Realtor.com® Economic Research (Kentucky, September 2026); Freddie Mac Primary Mortgage Market Survey, via FRED, Federal Reserve Bank of St. Louis (United States, Week of Oct 1, 2026); U.S. Census Bureau, Current Population Survey, via FRED, Federal Reserve Bank of St. Louis (Kentucky, 2025).
Editor’s notes on Kentucky
Written March 2026; conditions may have changedKentucky is emerging as an underrated relocation destination, particularly Louisville and Lexington. The state's low cost of living, improving restaurant and arts scenes, and proximity to major Midwest metros make it attractive. Bowling Green has benefited significantly from the GM Electric Vehicle Assembly Plant.
For buyers
Lexington's horse country suburbs are uniquely beautiful and offer solid appreciation. Louisville's Highlands and NuLu neighborhoods are seeing gentrification-driven appreciation.
For sellers
Condition matters here. Buyers are value-focused and will negotiate hard on deferred maintenance.
These notes are background written by our editors in March 2026, before the data above. Where they differ, the dated figures on this page are more current.