Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$148,498−4.8% YoY · prices are falling fast
Market right nowBuyer's marketMore homes for sale than last year, 31% have cut their price
Income needed to buy, per year$32,191About 0.7× the local median income ($46,905): affordable for a typical household
Days on market69 daysFaster than a year ago: sellers have the edge
The typical home in Elliott County, KY is worth $148,498, down 4.8% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $144,748, so the area is 2.6% overvalued. It is a buyer's market: homes take about 69 days to sell, listings are up 100% from a year ago, 31% of listings have had a price cut. A household needs about $32,191 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 $46,905. 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
$148,498
Change in 1 year
−4.8%
Overvalued %
+2.6%
Show 6 more
Fair home value
$144,748
Change in 5 years
+31.6%
Home value to income
3.2×
Monthly mortgage payment (20% down)
$805
Income needed to afford it
$32,191
Property tax rate
0.61%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$909
Market activity
Listings vs a year ago
+100.0%
Days on market
69
Listings with a price cut
30.8%
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Homes for sale
10
Pending sales per 100 listings
30
Asking price per sq ft
$138
People and jobs
Median household income
$46,905
Population change (1 year)
−0.1%
Unemployment rate
6.5%
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Population
7,265
Income adjusted for cost of living
$54,988
Net moves in (IRS)
−73
Cost of living (US = 100)
85.3
Schools, risk and environment
School rating (1 to 10)
3.4
FEMA hazard risk score (0 to 100)
12.2
Flood risk score
32.9
Show 3 more
Wildfire risk score
57.3
Walkability (1 to 20)
3.5
Road, rail and air noise
56 dB
Questions people ask
Is Elliott County, KY overvalued?
Home prices in Elliott County, KY are slightly above what local incomes have historically supported: fair value is about $144,748, so the area is 2.6% overvalued.
Is Elliott County, KY a buyer's or seller's market?
Elliott County, KY is a buyer's market: homes take about 69 days to sell, listings are up 100% from a year ago, 31% of listings have had a price cut.
Are home prices going down in Elliott County, KY?
Home values in Elliott County, KY are down 4.8% over the last year.
How much do you need to earn to buy a home in Elliott County, KY?
A household needs about $32,191 a year to afford the typical home in Elliott County, KY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $46,905.