Kentucky
Local Housing Market · Zillow ZHVI · May 2026
$235,060
Typical Home Value
▼ 0.7% YoY ▼ 0.23% MoM
6.49%
30Y Mortgage Rate
PMMS · Jul 09, 2026
26bps
YoY Rate Change
▼ Lower than 1yr ago
195bps
30Y/10Y Spread
Norm ~170bps
🏘 Kentucky Home Values
Zillow Home Value Index (ZHVI)
ZillowTypical Home Value
$235,060
▼ 0.7% YoY
Month-over-Month
▼ 0.23% MoM
May 2026
Data Period
May 2026
Updated monthly
Zillow ZHVI · State-level · Smoothed, seasonally adjusted · Updated monthly
📊 National Mortgage Rates
Current Mortgage Rates
Freddie Mac PMMS30Y Fixed
6.49%
PMMS · Jul 09, 2026
15Y Fixed
5.82%
PMMS · Jul 09, 2026
1yr Ago 30Y
6.75%
▼ Rates lower now
30Y/10Y Spread
195bps
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 · June 2026
• Inventory is up 12.8% YoY and listing prices are flat 0.0% YoY with 19.1% of listings carrying a price cut. Pricing is stable — comps should be reliable.
• Homes are selling in a median 50 days — a moderate-paced market. Pending ratio is 0.57 — strong buyer demand, expect competitive purchase timelines.
• New listings are increasing 6.5% YoY. More sellers entering the market supports purchase loan volume.
Median Listing Price
$314,900
0.0% YoY
Median Days on Market
50d
0d YoY
Active Listings
12,067
▲ 12.8% YoY
New Listings
5,806
▲ 6.5% YoY
Price Reduced Share
19.1%
of active listings
Pending Ratio
0.57
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) · June 2026
Louisville/Jefferson County
▼ COOLING
National rank #88
Median Price
$319,900
Median DOM
38d
Demand score 62/100
Lexington-Fayette
▼ COOLING
National rank #118
Median Price
$419,900
Median DOM
45d
Demand score 61/100
Corbin
▼ COOLING
National rank #184
Median Price
$280,250
Median DOM
62d
Demand score 60/100
Realtor.com Hotness Index · Metro-level · Higher demand score = more buyer activity relative to supply