Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$137,372−3.3% YoY · prices are falling fast
Market right nowBuyer's marketMore homes for sale than last year, 30% have cut their price
Income needed to buy, per year$29,779About 0.5× the local median income ($61,094): affordable for a typical household
Days on market58 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+1.9%Zillow expects prices to rise slightly
The typical home in Boyd County, KY is worth $137,372, down 3.3% from a year ago. That is slightly below what local incomes have historically supported: fair value is about $142,687, so the area is 3.7% undervalued. It is a buyer's market: homes take about 58 days to sell, listings are up 28% from a year ago, 30% of listings have had a price cut. Zillow expects prices to rise about 1.9% over the next year. A household needs about $29,779 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 $61,094. In the latest IRS figures, 133 more people moved in than out.
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
$137,372
Change in 1 year
−3.3%
Overvalued %
−3.7%
Show 7 more
Fair home value
$142,687
Change in 5 years
+0.7%
Zillow forecast, next 12 months
+1.9%
Home value to income
2.2×
Monthly mortgage payment (20% down)
$744
Income needed to afford it
$29,779
Property tax rate
0.88%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,006
Market activity
Listings vs a year ago
+28.4%
Days on market
58
Listings with a price cut
30.2%
Show 3 more
Homes for sale
113
Pending sales per 100 listings
65
Asking price per sq ft
$107
People and jobs
Median household income
$61,094
Population change (1 year)
−0.4%
Unemployment rate
6.4%
Show 4 more
Population
47,751
Income adjusted for cost of living
$69,111
Net moves in (IRS)
+133
Cost of living (US = 100)
88.4
Schools, risk and environment
School rating (1 to 10)
5.2
FEMA hazard risk score (0 to 100)
74.9
Unhealthy air days a year
0
Show 4 more
Flood risk score
82.2
Wildfire risk score
68.4
Walkability (1 to 20)
7.1
Road, rail and air noise
52 dB
Questions people ask
Is Boyd County, KY overvalued?
Home prices in Boyd County, KY are slightly below what local incomes have historically supported: fair value is about $142,687, so the area is 3.7% undervalued.
Is Boyd County, KY a buyer's or seller's market?
Boyd County, KY is a buyer's market: homes take about 58 days to sell, listings are up 28% from a year ago, 30% of listings have had a price cut.
Are home prices going down in Boyd County, KY?
Home values in Boyd County, KY are down 3.3% over the last year. Zillow's forecast for the next 12 months is +1.9%.
How much do you need to earn to buy a home in Boyd County, KY?
A household needs about $29,779 a year to afford the typical home in Boyd County, KY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $61,094.