Kentucky
Local Housing Market · Zillow ZHVI · July 2026
$234,510
Typical Home Value
▼ 0.7% YoY ▲ 0.00% MoM
6.65%
30Y Mortgage Rate
PMMS · Aug 20, 2026
9bps
YoY Rate Change
▲ Higher than 1yr ago
195bps
30Y/10Y Spread
Norm ~170bps
🏘 Kentucky Home Values
Zillow Home Value Index (ZHVI)
ZillowTypical Home Value
$234,510
▼ 0.7% YoY
Month-over-Month
▲ 0.00% MoM
July 2026
Data Period
July 2026
Updated monthly
Zillow ZHVI · State-level · Smoothed, seasonally adjusted · Updated monthly
📊 National Mortgage Rates
Current Mortgage Rates
Freddie Mac PMMS30Y Fixed
6.65%
PMMS · Aug 20, 2026
15Y Fixed
5.95%
PMMS · Aug 20, 2026
1yr Ago 30Y
6.56%
▲ Rates higher 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 · July 2026
• Inventory is up 13.9% YoY and listing prices are flat 0.7% YoY with 20.7% of listings carrying a price cut. Pricing is stable — comps should be reliable.
• Homes are selling in a median 52 days — a slower market. Pending ratio is 0.51 — strong buyer demand, expect competitive purchase timelines.
• New listings are roughly flat 0.3% YoY. Seller activity is stable.
Median Listing Price
$312,825
▼ 0.7% YoY
Median Days on Market
52d
0d YoY
Active Listings
12,813
▲ 13.9% YoY
New Listings
5,590
▲ 0.3% YoY
Price Reduced Share
20.7%
of active listings
Pending Ratio
0.51
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) · July 2026
Louisville/Jefferson County
▼ COOLING
National rank #83
Median Price
$319,450
Median DOM
43d
Demand score 61/100
Lexington-Fayette
▼ COOLING
National rank #98
Median Price
$407,642
Median DOM
45d
Demand score 59/100
Corbin
▼ COOLING
National rank #206
Median Price
$279,125
Median DOM
72d
Demand score 55/100
Realtor.com Hotness Index · Metro-level · Higher demand score = more buyer activity relative to supply