Kentucky
Local Housing Market · Zillow ZHVI · March 2026
$231,894
Typical Home Value
▲ 0.3% YoY ▲ 0.17% MoM
6.37%
30Y Mortgage Rate
PMMS · May 07, 2026
44bps
YoY Rate Change
▼ Lower than 1yr ago
199bps
30Y/10Y Spread
Norm ~170bps
🏘 Kentucky Home Values
Zillow Home Value Index (ZHVI)
ZillowTypical Home Value
$231,894
▲ 0.3% YoY
Month-over-Month
▲ 0.17% MoM
March 2026
Data Period
March 2026
Updated monthly
Zillow ZHVI · State-level · Smoothed, seasonally adjusted · Updated monthly
📊 National Mortgage Rates
Current Mortgage Rates
Freddie Mac PMMS30Y Fixed
6.37%
PMMS · May 07, 2026
15Y Fixed
5.72%
PMMS · May 07, 2026
1yr Ago 30Y
6.81%
▼ Rates lower now
30Y/10Y Spread
199bps
Tight · norm ~170bps
Freddie Mac PMMS via FRED · National rates · State-specific rates may vary slightly
📋 Realtor.com Market Data · Kentucky
Market Indicators
REALTOR.COM🏦 LO Market Signal · April 2026
• Inventory is up 15.2% YoY and listing prices are softening 3.2% YoY with 17.2% of listings carrying a price cut. Appraisal risk is lower, but watch for value gaps on pending deals.
• Homes are selling in a median 48 days — a moderate-paced market. Pending ratio is 0.6 — strong buyer demand, expect competitive purchase timelines.
• New listings are increasing 11.9% YoY. More sellers entering the market supports purchase loan volume.
Median Listing Price
$300,000
▼ 3.2% YoY
Median Days on Market
48d
0d YoY
Active Listings
10,995
▲ 15.2% YoY
New Listings
6,004
▲ 11.9% YoY
Price Reduced Share
17.2%
of active listings
Pending Ratio
0.6
pending ÷ active
Realtor.com Research · State-level inventory data · Updated monthly
Hottest Markets in Kentucky
REALTOR.COMTop metros by national hotness rank (supply + demand composite) · April 2026
Louisville/Jefferson County
▼ COOLING
National rank #72
Median Price
$311,442
Median DOM
38d
Demand score 62/100
Lexington-Fayette
▼ COOLING
National rank #144
Median Price
$420,076
Median DOM
48d
Demand score 55/100
Corbin
▼ COOLING
National rank #193
Median Price
$279,500
Median DOM
61d
Demand score 58/100
Realtor.com Hotness Index · Metro-level · Higher demand score = more buyer activity relative to supply