Data through September 2026 · updated 2026-11-08 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$149,902−6.6% YoY · prices are falling fast
Market right nowBuyer's marketMore homes for sale than last year, 27% have cut their price
Income needed to buy, per year$32,496About 0.6× the local median income ($51,984): affordable for a typical household
Days on market59 daysFaster than a year ago: sellers have the edge
The typical home in Caldwell County, KY is worth $149,902, down 6.6% from a year ago. That is well above what local incomes have historically supported: fair value is about $134,975, so the area is 11.1% overvalued. It is a buyer's market: homes take about 59 days to sell, listings are up 26% from a year ago, 27% of listings have had a price cut. A household needs about $32,496 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 $51,984. In the latest IRS figures, 73 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
$149,902
Change in 1 year
−6.6%
Overvalued %
+11.1%
Show 6 more
Fair home value
$134,975
Change in 5 years
+17.9%
Home value to income
2.9×
Monthly mortgage payment (20% down)
$812
Income needed to afford it
$32,496
Property tax rate
0.54%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$909
Market activity
Listings vs a year ago
+25.8%
Days on market
59
Listings with a price cut
27.1%
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Homes for sale
39
Pending sales per 100 listings
31
Asking price per sq ft
$126
People and jobs
Median household income
$51,984
Population change (1 year)
+0.2%
Unemployment rate
4.4%
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Population
12,609
Income adjusted for cost of living
$60,943
Net moves in (IRS)
−73
Cost of living (US = 100)
85.3
Schools, risk and environment
School rating (1 to 10)
6.2
FEMA hazard risk score (0 to 100)
39.0
Flood risk score
30.6
Show 3 more
Wildfire risk score
5.8
Walkability (1 to 20)
5.5
Road, rail and air noise
54 dB
Questions people ask
Is Caldwell County, KY overvalued?
Home prices in Caldwell County, KY are well above what local incomes have historically supported: fair value is about $134,975, so the area is 11.1% overvalued.
Is Caldwell County, KY a buyer's or seller's market?
Caldwell County, KY is a buyer's market: homes take about 59 days to sell, listings are up 26% from a year ago, 27% of listings have had a price cut.
Are home prices going down in Caldwell County, KY?
Home values in Caldwell County, KY are down 6.6% over the last year.
How much do you need to earn to buy a home in Caldwell County, KY?
A household needs about $32,496 a year to afford the typical home in Caldwell County, KY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $51,984.