Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$181,740−3.3% YoY · prices are falling fast
Market right nowBalanced, leaning buyersFewer homes for sale than last year, 15% have cut their price
Income needed to buy, per year$39,397About 0.6× the local median income ($65,791): affordable for a typical household
Days on market61 daysFaster than a year ago: sellers have the edge
The typical home in Carroll County, KY is worth $181,740, down 3.3% from a year ago. That is well above what local incomes have historically supported: fair value is about $156,853, so the area is 15.9% overvalued. It is a balanced market, leaning toward buyers: homes take about 61 days to sell, listings are down 0% from a year ago, 15% of listings have had a price cut. A household needs about $39,397 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 $65,791. In the latest IRS figures, 35 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
$181,740
Change in 1 year
−3.3%
Overvalued %
+15.9%
Show 6 more
Fair home value
$156,853
Change in 5 years
+36.7%
Home value to income
2.8×
Monthly mortgage payment (20% down)
$985
Income needed to afford it
$39,397
Property tax rate
0.76%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,072
Market activity
Listings vs a year ago
0.0%
Days on market
61
Listings with a price cut
15.4%
Show 3 more
Homes for sale
27
Pending sales per 100 listings
30
Asking price per sq ft
$138
People and jobs
Median household income
$65,791
Population change (1 year)
+0.3%
Unemployment rate
6.1%
Show 4 more
Population
11,141
Income adjusted for cost of living
$77,129
Net moves in (IRS)
−35
Cost of living (US = 100)
85.3
Schools, risk and environment
School rating (1 to 10)
1.4
FEMA hazard risk score (0 to 100)
23.4
Flood risk score
41.7
Show 3 more
Wildfire risk score
2.7
Walkability (1 to 20)
5.4
Road, rail and air noise
55 dB
Questions people ask
Is Carroll County, KY overvalued?
Home prices in Carroll County, KY are well above what local incomes have historically supported: fair value is about $156,853, so the area is 15.9% overvalued.
Is Carroll County, KY a buyer's or seller's market?
Carroll County, KY is a balanced market, leaning toward buyers: homes take about 61 days to sell, listings are down 0% from a year ago, 15% of listings have had a price cut.
Are home prices going down in Carroll County, KY?
Home values in Carroll County, KY are down 3.3% over the last year.
How much do you need to earn to buy a home in Carroll County, KY?
A household needs about $39,397 a year to afford the typical home in Carroll County, KY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $65,791.