Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$198,151−2.9% YoY · prices are falling
Market right nowBuyer's marketMore homes for sale than last year, 28% have cut their price
Income needed to buy, per year$42,955About 0.8× the local median income ($54,345): affordable for a typical household
Days on market68 daysSlower than a year ago: buyers have time to negotiate
The typical home in Lincoln County, KY is worth $198,151, down 2.9% from a year ago. That is well above what local incomes have historically supported: fair value is about $173,610, so the area is 14.1% overvalued. It is a buyer's market: homes take about 68 days to sell, listings are up 14% from a year ago, 28% of listings have had a price cut. A household needs about $42,955 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 $54,345. In the latest IRS figures, 281 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
$198,151
Change in 1 year
−2.9%
Overvalued %
+14.1%
Show 6 more
Fair home value
$173,610
Change in 5 years
+29.9%
Home value to income
3.6×
Monthly mortgage payment (20% down)
$1,074
Income needed to afford it
$42,955
Property tax rate
0.72%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$909
Market activity
Listings vs a year ago
+13.6%
Days on market
68
Listings with a price cut
28.0%
Show 3 more
Homes for sale
75
Pending sales per 100 listings
29
Asking price per sq ft
$165
People and jobs
Median household income
$54,345
Population change (1 year)
+1.2%
Unemployment rate
6.5%
Show 4 more
Population
25,353
Income adjusted for cost of living
$63,710
Net moves in (IRS)
+281
Cost of living (US = 100)
85.3
Schools, risk and environment
School rating (1 to 10)
6.1
FEMA hazard risk score (0 to 100)
32.6
Flood risk score
44.2
Show 3 more
Wildfire risk score
24.3
Walkability (1 to 20)
4.4
Road, rail and air noise
54 dB
Questions people ask
Is Lincoln County, KY overvalued?
Home prices in Lincoln County, KY are well above what local incomes have historically supported: fair value is about $173,610, so the area is 14.1% overvalued.
Is Lincoln County, KY a buyer's or seller's market?
Lincoln County, KY is a buyer's market: homes take about 68 days to sell, listings are up 14% from a year ago, 28% of listings have had a price cut.
Are home prices going down in Lincoln County, KY?
Home values in Lincoln County, KY are down 2.9% over the last year.
How much do you need to earn to buy a home in Lincoln County, KY?
A household needs about $42,955 a year to afford the typical home in Lincoln County, KY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $54,345.