Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$111,861−8.9% YoY · prices are falling fast
Market right nowBalanced marketFewer homes for sale than last year, 44% have cut their price
Income needed to buy, per year$24,249About 0.5× the local median income ($48,992): affordable for a typical household
Days on market64 daysFaster than a year ago: sellers have the edge
The typical home in Estill County, KY is worth $111,861, down 8.9% from a year ago. That is well below what local incomes have historically supported: fair value is about $133,091, so the area is 16.0% undervalued. It is a balanced market: homes take about 64 days to sell, listings are down 16% from a year ago, 44% of listings have had a price cut. A household needs about $24,249 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 $48,992. In the latest IRS figures, 141 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
$111,861
Change in 1 year
−8.9%
Overvalued %
−16.0%
Show 6 more
Fair home value
$133,091
Change in 5 years
−1.3%
Home value to income
2.3×
Monthly mortgage payment (20% down)
$606
Income needed to afford it
$24,249
Property tax rate
0.67%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$909
Market activity
Listings vs a year ago
−16.2%
Days on market
64
Listings with a price cut
44.4%
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Homes for sale
31
Pending sales per 100 listings
45
Asking price per sq ft
$154
People and jobs
Median household income
$48,992
Population change (1 year)
+0.1%
Unemployment rate
7.0%
Show 4 more
Population
13,962
Income adjusted for cost of living
$57,435
Net moves in (IRS)
+141
Cost of living (US = 100)
85.3
Schools, risk and environment
School rating (1 to 10)
3.3
FEMA hazard risk score (0 to 100)
41.8
Flood risk score
63.9
Show 3 more
Wildfire risk score
44.7
Walkability (1 to 20)
4.7
Road, rail and air noise
55 dB
Questions people ask
Is Estill County, KY overvalued?
Home prices in Estill County, KY are well below what local incomes have historically supported: fair value is about $133,091, so the area is 16.0% undervalued.
Is Estill County, KY a buyer's or seller's market?
Estill County, KY is a balanced market: homes take about 64 days to sell, listings are down 16% from a year ago, 44% of listings have had a price cut.
Are home prices going down in Estill County, KY?
Home values in Estill County, KY are down 8.9% over the last year.
How much do you need to earn to buy a home in Estill County, KY?
A household needs about $24,249 a year to afford the typical home in Estill County, KY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $48,992.