Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$198,166+8.5% YoY · prices are rising fast
Market right nowBalanced, leaning sellersMore homes for sale than last year, 10% have cut their price
Income needed to buy, per year$42,958About 0.6× the local median income ($66,635): affordable for a typical household
Days on market97 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+3.0%Zillow expects prices to rise slightly
The typical home in Bracken County, KY is worth $198,166, up 8.5% from a year ago. That is well above what local incomes have historically supported: fair value is about $156,591, so the area is 26.6% overvalued. It is a balanced market, leaning toward sellers: homes take about 97 days to sell, listings are up 5% from a year ago, 10% of listings have had a price cut. Zillow expects prices to rise about 3.0% over the next year. A household needs about $42,958 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 $66,635. In the latest IRS figures, 6 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
$198,166
Change in 1 year
+8.5%
Overvalued %
+26.6%
Show 7 more
Fair home value
$156,591
Change in 5 years
+30.1%
Zillow forecast, next 12 months
+3.0%
Home value to income
3.0×
Monthly mortgage payment (20% down)
$1,074
Income needed to afford it
$42,958
Property tax rate
0.92%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,442
Market activity
Listings vs a year ago
+5.3%
Days on market
97
Listings with a price cut
10.0%
Show 3 more
Homes for sale
20
Pending sales per 100 listings
30
Asking price per sq ft
$216
People and jobs
Median household income
$66,635
Population change (1 year)
+0.6%
Unemployment rate
4.8%
Show 4 more
Population
8,511
Income adjusted for cost of living
$69,848
Net moves in (IRS)
+6
Cost of living (US = 100)
95.4
Schools, risk and environment
School rating (1 to 10)
4.2
FEMA hazard risk score (0 to 100)
12.0
Flood risk score
26.2
Show 3 more
Wildfire risk score
1.6
Walkability (1 to 20)
4.5
Road, rail and air noise
53 dB
Questions people ask
Is Bracken County, KY overvalued?
Home prices in Bracken County, KY are well above what local incomes have historically supported: fair value is about $156,591, so the area is 26.6% overvalued.
Is Bracken County, KY a buyer's or seller's market?
Bracken County, KY is a balanced market, leaning toward sellers: homes take about 97 days to sell, listings are up 5% from a year ago, 10% of listings have had a price cut.
Are home prices going down in Bracken County, KY?
Home values in Bracken County, KY are up 8.5% over the last year. Zillow's forecast for the next 12 months is +3.0%.
How much do you need to earn to buy a home in Bracken County, KY?
A household needs about $42,958 a year to afford the typical home in Bracken County, KY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $66,635.