Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$99,031−13.0% YoY · prices are falling fast
Market right nowBuyer's marketMore homes for sale than last year, 12% have cut their price
Income needed to buy, per year$21,468About 0.5× the local median income ($39,209): affordable for a typical household
Days on market84 daysAbout the same pace as a year ago
The typical home in Bell County, KY is worth $99,031, down 13.0% from a year ago. That is well below what local incomes have historically supported: fair value is about $171,439, so the area is 42.2% undervalued. It is a buyer's market: homes take about 84 days to sell, listings are up 24% from a year ago, 12% of listings have had a price cut. A household needs about $21,468 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $39,209. In the latest IRS figures, 118 more people moved out than in.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$99,031
Change in 1 year
−13.0%
Overvalued %
−42.2%
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Fair home value
$171,439
Change in 5 years
−21.7%
Home value to income
2.5×
Monthly mortgage payment (20% down)
$537
Income needed to afford it
$21,468
Property tax rate
0.81%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$909
Market activity
Listings vs a year ago
+23.5%
Days on market
84
Listings with a price cut
12.1%
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Homes for sale
63
Pending sales per 100 listings
33
Asking price per sq ft
$119
People and jobs
Median household income
$39,209
Population change (1 year)
−0.8%
Unemployment rate
10.1%
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Population
22,829
Income adjusted for cost of living
$45,966
Net moves in (IRS)
−118
Cost of living (US = 100)
85.3
Schools, risk and environment
School rating (1 to 10)
4.2
FEMA hazard risk score (0 to 100)
68.0
Unhealthy air days a year
1
Show 4 more
Flood risk score
82.0
Wildfire risk score
73.3
Walkability (1 to 20)
5.2
Road, rail and air noise
54 dB
Questions people ask
Is Bell County, KY overvalued?
Home prices in Bell County, KY are well below what local incomes have historically supported: fair value is about $171,439, so the area is 42.2% undervalued.
Is Bell County, KY a buyer's or seller's market?
Bell County, KY is a buyer's market: homes take about 84 days to sell, listings are up 24% from a year ago, 12% of listings have had a price cut.
Are home prices going down in Bell County, KY?
Home values in Bell County, KY are down 13.0% over the last year.
How much do you need to earn to buy a home in Bell County, KY?
A household needs about $21,468 a year to afford the typical home in Bell County, KY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $39,209.