Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$116,937−20.1% YoY · prices are falling fast
Market right nowBuyer's marketMore homes for sale than last year, 28% have cut their price
Income needed to buy, per year$25,349About 0.5× the local median income ($49,388): affordable for a typical household
Days on market89 daysSlower than a year ago: buyers have time to negotiate
The typical home in Jackson County, KY is worth $116,937, down 20.1% from a year ago. That is well below what local incomes have historically supported: fair value is about $171,583, so the area is 31.8% undervalued. It is a buyer's market: homes take about 89 days to sell, listings are up 8% from a year ago, 28% of listings have had a price cut. A household needs about $25,349 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 $49,388. In the latest IRS figures, 160 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
$116,937
Change in 1 year
−20.1%
Overvalued %
−31.8%
Show 6 more
Fair home value
$171,583
Change in 5 years
−24.8%
Home value to income
2.4×
Monthly mortgage payment (20% down)
$634
Income needed to afford it
$25,349
Property tax rate
0.62%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$909
Market activity
Listings vs a year ago
+8.3%
Days on market
89
Listings with a price cut
28.1%
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Homes for sale
39
Pending sales per 100 listings
26
Asking price per sq ft
$149
People and jobs
Median household income
$49,388
Population change (1 year)
+0.2%
Unemployment rate
4.0%
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Population
13,325
Income adjusted for cost of living
$57,899
Net moves in (IRS)
+160
Cost of living (US = 100)
85.3
Schools, risk and environment
School rating (1 to 10)
7.1
FEMA hazard risk score (0 to 100)
24.2
Flood risk score
42.4
Show 3 more
Wildfire risk score
79.8
Walkability (1 to 20)
3.9
Road, rail and air noise
55 dB
Questions people ask
Is Jackson County, KY overvalued?
Home prices in Jackson County, KY are well below what local incomes have historically supported: fair value is about $171,583, so the area is 31.8% undervalued.
Is Jackson County, KY a buyer's or seller's market?
Jackson County, KY is a buyer's market: homes take about 89 days to sell, listings are up 8% from a year ago, 28% of listings have had a price cut.
Are home prices going down in Jackson County, KY?
Home values in Jackson County, KY are down 20.1% over the last year.
How much do you need to earn to buy a home in Jackson County, KY?
A household needs about $25,349 a year to afford the typical home in Jackson County, KY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $49,388.