Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$171,657+0.1% YoY · prices are flat
Market right nowBalanced, leaning buyersFewer homes for sale than last year, 27% have cut their price
Income needed to buy, per year$37,212About 0.6× the local median income ($58,822): affordable for a typical household
Days on market80 daysSlower than a year ago: buyers have time to negotiate
The typical home in Breckinridge County, KY is worth $171,657, about the same as a year ago. That is slightly above what local incomes have historically supported: fair value is about $156,790, so the area is 9.5% overvalued. It is a balanced market, leaning toward buyers: homes take about 80 days to sell, listings are down 3% from a year ago, 27% of listings have had a price cut. A household needs about $37,212 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 $58,822. In the latest IRS figures, 9 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
$171,657
Change in 1 year
+0.1%
Overvalued %
+9.5%
Show 6 more
Fair home value
$156,790
Change in 5 years
+21.0%
Home value to income
2.9×
Monthly mortgage payment (20% down)
$930
Income needed to afford it
$37,212
Property tax rate
0.58%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$909
Market activity
Listings vs a year ago
−2.9%
Days on market
80
Listings with a price cut
26.9%
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Homes for sale
100
Pending sales per 100 listings
17
Asking price per sq ft
$176
People and jobs
Median household income
$58,822
Population change (1 year)
+1.1%
Unemployment rate
4.5%
Show 4 more
Population
21,503
Income adjusted for cost of living
$68,959
Net moves in (IRS)
+9
Cost of living (US = 100)
85.3
Schools, risk and environment
School rating (1 to 10)
6.9
FEMA hazard risk score (0 to 100)
39.5
Flood risk score
49.0
Show 3 more
Wildfire risk score
10.5
Walkability (1 to 20)
4.3
Road, rail and air noise
54 dB
Questions people ask
Is Breckinridge County, KY overvalued?
Home prices in Breckinridge County, KY are slightly above what local incomes have historically supported: fair value is about $156,790, so the area is 9.5% overvalued.
Is Breckinridge County, KY a buyer's or seller's market?
Breckinridge County, KY is a balanced market, leaning toward buyers: homes take about 80 days to sell, listings are down 3% from a year ago, 27% of listings have had a price cut.
Are home prices going down in Breckinridge County, KY?
Home values in Breckinridge County, KY are up 0.1% over the last year.
How much do you need to earn to buy a home in Breckinridge County, KY?
A household needs about $37,212 a year to afford the typical home in Breckinridge County, KY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $58,822.