Data through September 2026 · updated 2026-11-08 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$194,592−1.2% YoY · prices are falling
Market right nowBalanced marketFewer homes for sale than last year, 20% have cut their price
Income needed to buy, per year$42,184About 0.7× the local median income ($64,076): affordable for a typical household
Days on market59 daysFaster than a year ago: sellers have the edge
Next 12 months+3.3%Zillow expects prices to rise slightly
The typical home in McCracken County, KY is worth $194,592, down 1.2% from a year ago. That is well above what local incomes have historically supported: fair value is about $168,235, so the area is 15.7% overvalued. It is a balanced market: homes take about 59 days to sell, listings are down 1% from a year ago, 20% of listings have had a price cut. Zillow expects prices to rise about 3.3% over the next year. A household needs about $42,184 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 $64,076. Typical rent is $1,173 a month, or $1,353 for a house. In the latest IRS figures, 253 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
$194,592
Change in 1 year
−1.2%
Overvalued %
+15.7%
Show 7 more
Fair home value
$168,235
Change in 5 years
+34.4%
Zillow forecast, next 12 months
+3.3%
Home value to income
3.0×
Monthly mortgage payment (20% down)
$1,055
Income needed to afford it
$42,184
Property tax rate
0.75%
Rent and investing
Typical rent
$1,173
Typical rent for houses
$1,353
Price-to-rent ratio
13.8×
Show 3 more
HUD Fair Market Rent, 2 bedrooms
$1,131
Gross rental yield
7.23%
Cap rate (estimate)
4.70%
Market activity
Listings vs a year ago
−0.6%
Days on market
59
Listings with a price cut
20.5%
Show 3 more
Homes for sale
175
Pending sales per 100 listings
43
Asking price per sq ft
$140
People and jobs
Median household income
$64,076
Population change (1 year)
−0.3%
Unemployment rate
3.2%
Show 4 more
Population
67,553
Income adjusted for cost of living
$74,420
Net moves in (IRS)
+253
Cost of living (US = 100)
86.1
Schools, risk and environment
School rating (1 to 10)
8.0
FEMA hazard risk score (0 to 100)
89.7
Unhealthy air days a year
0
Show 4 more
Flood risk score
80.4
Wildfire risk score
35.6
Walkability (1 to 20)
6.8
Road, rail and air noise
54 dB
Questions people ask
Is McCracken County, KY overvalued?
Home prices in McCracken County, KY are well above what local incomes have historically supported: fair value is about $168,235, so the area is 15.7% overvalued.
Is McCracken County, KY a buyer's or seller's market?
McCracken County, KY is a balanced market: homes take about 59 days to sell, listings are down 1% from a year ago, 20% of listings have had a price cut.
Are home prices going down in McCracken County, KY?
Home values in McCracken County, KY are down 1.2% over the last year. Zillow's forecast for the next 12 months is +3.3%.
How much do you need to earn to buy a home in McCracken County, KY?
A household needs about $42,184 a year to afford the typical home in McCracken County, KY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $64,076.