Kentucky
Local Housing Market · Zillow ZHVI · September 2026
$230,909
Typical Home Value
▼ 0.2% YoY ▼ 0.08% MoM
7.40%
30Y Mortgage Rate
PMMS · Oct 15, 2026
121bps
YoY Rate Change
▲ Higher than 1yr ago
230bps
30Y/10Y Spread
Norm ~170bps
🏘 Kentucky Home Values
Zillow Home Value Index (ZHVI)
ZillowTypical Home Value
$230,909
▼ 0.2% YoY
Month-over-Month
▼ 0.08% MoM
September 2026
Data Period
September 2026
Updated monthly
Zillow ZHVI · State-level · Smoothed, seasonally adjusted · Updated monthly
📊 National Mortgage Rates
Current Mortgage Rates
Freddie Mac PMMS30Y Fixed
7.40%
PMMS · Oct 15, 2026
15Y Fixed
6.71%
PMMS · Oct 15, 2026
1yr Ago 30Y
6.19%
▲ Rates higher now
30Y/10Y Spread
230bps
Normal · 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 · September 2026
• Inventory is up 14.8% YoY and listing prices are flat 0.7% YoY with 22.6% of listings carrying a price cut. Pricing is stable — comps should be reliable.
• Homes are selling in a median 55 days — a slower market. Pending ratio is 0.43 — moderate demand, purchase timelines are manageable.
• New listings are increasing 2.3% YoY. More sellers entering the market supports purchase loan volume.
Median Listing Price
$307,775
▼ 0.7% YoY
Median Days on Market
55d
0d YoY
Active Listings
13,667
▲ 14.8% YoY
New Listings
5,144
▲ 2.3% YoY
Price Reduced Share
22.6%
of active listings
Pending Ratio
0.43
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) · September 2026
Louisville/Jefferson County
▼ COOLING
National rank #85
Median Price
$315,000
Median DOM
44d
Demand score 58/100
Lexington-Fayette
▼ COOLING
National rank #98
Median Price
$399,000
Median DOM
46d
Demand score 54/100
Corbin
▼ COOLING
National rank #195
Median Price
$274,500
Median DOM
70d
Demand score 52/100
Realtor.com Hotness Index · Metro-level · Higher demand score = more buyer activity relative to supply