Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$201,897+0.2% YoY · prices are flat
Market right nowBuyer's marketMore homes for sale than last year, 22% have cut their price
Income needed to buy, per year$43,767About 0.8× the local median income ($56,457): affordable for a typical household
Days on market73 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+0.1%Zillow expects prices to stay about flat
The typical home in Christian County, KY is worth $201,897, about the same as a year ago. That is well above what local incomes have historically supported: fair value is about $169,552, so the area is 19.1% overvalued. It is a buyer's market: homes take about 73 days to sell, listings are up 31% from a year ago, 22% of listings have had a price cut. Zillow expects prices to rise about 0.1% over the next year. A household needs about $43,767 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 $56,457. Typical rent is $1,152 a month, or $1,382 for a house. In the latest IRS figures, 819 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
$201,897
Change in 1 year
+0.2%
Overvalued %
+19.1%
Show 7 more
Fair home value
$169,552
Change in 5 years
+43.6%
Zillow forecast, next 12 months
+0.1%
Home value to income
3.6×
Monthly mortgage payment (20% down)
$1,094
Income needed to afford it
$43,767
Property tax rate
0.65%
Rent and investing
Typical rent
$1,152
Typical rent for houses
$1,382
Price-to-rent ratio
14.6×
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HUD Fair Market Rent, 2 bedrooms
$1,307
Gross rental yield
6.85%
Cap rate (estimate)
4.45%
Market activity
Listings vs a year ago
+31.1%
Days on market
73
Listings with a price cut
22.1%
Show 3 more
Homes for sale
274
Pending sales per 100 listings
22
Asking price per sq ft
$165
People and jobs
Median household income
$56,457
Population change (1 year)
−1.9%
Unemployment rate
6.3%
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Population
70,115
Income adjusted for cost of living
$62,109
Net moves in (IRS)
−819
Cost of living (US = 100)
90.9
Schools, risk and environment
School rating (1 to 10)
5.1
FEMA hazard risk score (0 to 100)
79.6
Unhealthy air days a year
0
Show 4 more
Flood risk score
74.9
Wildfire risk score
14.5
Walkability (1 to 20)
6.4
Road, rail and air noise
53 dB
Questions people ask
Is Christian County, KY overvalued?
Home prices in Christian County, KY are well above what local incomes have historically supported: fair value is about $169,552, so the area is 19.1% overvalued.
Is Christian County, KY a buyer's or seller's market?
Christian County, KY is a buyer's market: homes take about 73 days to sell, listings are up 31% from a year ago, 22% of listings have had a price cut.
Are home prices going down in Christian County, KY?
Home values in Christian County, KY are up 0.2% over the last year. Zillow's forecast for the next 12 months is +0.1%.
How much do you need to earn to buy a home in Christian County, KY?
A household needs about $43,767 a year to afford the typical home in Christian County, KY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $56,457.