Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$179,466+1.2% YoY · prices are rising
Market right nowBuyer's marketMore homes for sale than last year, 23% have cut their price
Income needed to buy, per year$38,904About 0.7× the local median income ($56,093): affordable for a typical household
Days on market94 daysSlower than a year ago: buyers have time to negotiate
The typical home in Fleming County, KY is worth $179,466, up 1.2% from a year ago. That is well above what local incomes have historically supported: fair value is about $154,591, so the area is 16.1% overvalued. It is a buyer's market: homes take about 94 days to sell, listings are up 18% from a year ago, 23% of listings have had a price cut. A household needs about $38,904 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 $56,093. In the latest IRS figures, 13 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
$179,466
Change in 1 year
+1.2%
Overvalued %
+16.1%
Show 6 more
Fair home value
$154,591
Change in 5 years
+49.2%
Home value to income
3.2×
Monthly mortgage payment (20% down)
$973
Income needed to afford it
$38,904
Property tax rate
0.64%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$909
Market activity
Listings vs a year ago
+18.2%
Days on market
94
Listings with a price cut
22.6%
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Homes for sale
39
Pending sales per 100 listings
31
Asking price per sq ft
$147
People and jobs
Median household income
$56,093
Population change (1 year)
+0.9%
Unemployment rate
7.5%
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Population
15,787
Income adjusted for cost of living
$65,760
Net moves in (IRS)
+13
Cost of living (US = 100)
85.3
Schools, risk and environment
School rating (1 to 10)
4.4
FEMA hazard risk score (0 to 100)
31.0
Flood risk score
47.1
Show 3 more
Wildfire risk score
22.6
Walkability (1 to 20)
4.3
Road, rail and air noise
55 dB
Questions people ask
Is Fleming County, KY overvalued?
Home prices in Fleming County, KY are well above what local incomes have historically supported: fair value is about $154,591, so the area is 16.1% overvalued.
Is Fleming County, KY a buyer's or seller's market?
Fleming County, KY is a buyer's market: homes take about 94 days to sell, listings are up 18% from a year ago, 23% of listings have had a price cut.
Are home prices going down in Fleming County, KY?
Home values in Fleming County, KY are up 1.2% over the last year.
How much do you need to earn to buy a home in Fleming County, KY?
A household needs about $38,904 a year to afford the typical home in Fleming County, KY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $56,093.