Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$76,340−7.0% YoY · prices are falling fast
Market right nowBalanced, leaning buyersFewer homes for sale than last year, 17% have cut their price
Income needed to buy, per year$16,549About 0.4× the local median income ($41,808): affordable for a typical household
Days on market106 daysSlower than a year ago: buyers have time to negotiate
The typical home in Harlan County, KY is worth $76,340, down 7.0% from a year ago. That is slightly below what local incomes have historically supported: fair value is about $78,755, so the area is 3.1% undervalued. It is a balanced market, leaning toward buyers: homes take about 106 days to sell, listings are down 8% from a year ago, 17% of listings have had a price cut. A household needs about $16,549 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 $41,808. In the latest IRS figures, 25 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
$76,340
Change in 1 year
−7.0%
Overvalued %
−3.1%
Show 6 more
Fair home value
$78,755
Change in 5 years
+35.5%
Home value to income
1.8×
Monthly mortgage payment (20% down)
$414
Income needed to afford it
$16,549
Property tax rate
0.99%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$909
Market activity
Listings vs a year ago
−7.7%
Days on market
106
Listings with a price cut
16.7%
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Homes for sale
36
Pending sales per 100 listings
17
Asking price per sq ft
$104
People and jobs
Median household income
$41,808
Population change (1 year)
−1.3%
Unemployment rate
9.5%
Show 4 more
Population
24,725
Income adjusted for cost of living
$49,013
Net moves in (IRS)
+25
Cost of living (US = 100)
85.3
Schools, risk and environment
School rating (1 to 10)
5.0
FEMA hazard risk score (0 to 100)
65.7
Flood risk score
79.9
Show 3 more
Wildfire risk score
69.8
Walkability (1 to 20)
4.3
Road, rail and air noise
54 dB
Questions people ask
Is Harlan County, KY overvalued?
Home prices in Harlan County, KY are slightly below what local incomes have historically supported: fair value is about $78,755, so the area is 3.1% undervalued.
Is Harlan County, KY a buyer's or seller's market?
Harlan County, KY is a balanced market, leaning toward buyers: homes take about 106 days to sell, listings are down 8% from a year ago, 17% of listings have had a price cut.
Are home prices going down in Harlan County, KY?
Home values in Harlan County, KY are down 7.0% over the last year.
How much do you need to earn to buy a home in Harlan County, KY?
A household needs about $16,549 a year to afford the typical home in Harlan County, KY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $41,808.