Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$87,003−16.9% YoY · prices are falling fast
Market right nowBuyer's marketMore homes for sale than last year, 18% have cut their price
Income needed to buy, per year$18,860About 0.4× the local median income ($44,735): affordable for a typical household
Days on market103 daysSlower than a year ago: buyers have time to negotiate
The typical home in Floyd County, KY is worth $87,003, down 16.9% from a year ago. That is well below what local incomes have historically supported: fair value is about $141,582, so the area is 38.5% undervalued. It is a buyer's market: homes take about 103 days to sell, listings are up 25% from a year ago, 18% of listings have had a price cut. A household needs about $18,860 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 $44,735. In the latest IRS figures, 218 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
$87,003
Change in 1 year
−16.9%
Overvalued %
−38.5%
Show 6 more
Fair home value
$141,582
Change in 5 years
−18.4%
Home value to income
1.9×
Monthly mortgage payment (20% down)
$472
Income needed to afford it
$18,860
Property tax rate
0.76%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$925
Market activity
Listings vs a year ago
+24.6%
Days on market
103
Listings with a price cut
18.2%
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Homes for sale
76
Pending sales per 100 listings
24
Asking price per sq ft
$107
People and jobs
Median household income
$44,735
Population change (1 year)
−0.7%
Unemployment rate
7.7%
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Population
34,401
Income adjusted for cost of living
$52,444
Net moves in (IRS)
−218
Cost of living (US = 100)
85.3
Schools, risk and environment
School rating (1 to 10)
4.7
FEMA hazard risk score (0 to 100)
94.2
Flood risk score
97.8
Show 3 more
Wildfire risk score
86.3
Walkability (1 to 20)
4.7
Road, rail and air noise
54 dB
Questions people ask
Is Floyd County, KY overvalued?
Home prices in Floyd County, KY are well below what local incomes have historically supported: fair value is about $141,582, so the area is 38.5% undervalued.
Is Floyd County, KY a buyer's or seller's market?
Floyd County, KY is a buyer's market: homes take about 103 days to sell, listings are up 25% from a year ago, 18% of listings have had a price cut.
Are home prices going down in Floyd County, KY?
Home values in Floyd County, KY are down 16.9% over the last year.
How much do you need to earn to buy a home in Floyd County, KY?
A household needs about $18,860 a year to afford the typical home in Floyd County, KY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $44,735.