Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$97,501−10.5% YoY · prices are falling fast
Market right nowBuyer's marketMore homes for sale than last year, 9% have cut their price
Income needed to buy, per year$21,136About 0.5× the local median income ($40,509): affordable for a typical household
Days on market88 daysFaster than a year ago: sellers have the edge
The typical home in McCreary County, KY is worth $97,501, down 10.5% from a year ago. That is well below what local incomes have historically supported: fair value is about $109,312, so the area is 10.8% undervalued. It is a buyer's market: homes take about 88 days to sell, listings are up 17% from a year ago, 9% of listings have had a price cut. A household needs about $21,136 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 $40,509. In the latest IRS figures, 90 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
$97,501
Change in 1 year
−10.5%
Overvalued %
−10.8%
Show 6 more
Fair home value
$109,312
Change in 5 years
+17.1%
Home value to income
2.4×
Monthly mortgage payment (20% down)
$528
Income needed to afford it
$21,136
Property tax rate
0.65%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$909
Market activity
Listings vs a year ago
+17.2%
Days on market
88
Listings with a price cut
8.7%
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Homes for sale
34
Pending sales per 100 listings
24
Asking price per sq ft
$154
People and jobs
Median household income
$40,509
Population change (1 year)
+1.2%
Unemployment rate
4.2%
Show 4 more
Population
17,124
Income adjusted for cost of living
$47,490
Net moves in (IRS)
+90
Cost of living (US = 100)
85.3
Schools, risk and environment
School rating (1 to 10)
5.7
FEMA hazard risk score (0 to 100)
25.3
Flood risk score
24.3
Show 3 more
Wildfire risk score
74.2
Walkability (1 to 20)
4.3
Road, rail and air noise
53 dB
Questions people ask
Is McCreary County, KY overvalued?
Home prices in McCreary County, KY are well below what local incomes have historically supported: fair value is about $109,312, so the area is 10.8% undervalued.
Is McCreary County, KY a buyer's or seller's market?
McCreary County, KY is a buyer's market: homes take about 88 days to sell, listings are up 17% from a year ago, 9% of listings have had a price cut.
Are home prices going down in McCreary County, KY?
Home values in McCreary County, KY are down 10.5% over the last year.
How much do you need to earn to buy a home in McCreary County, KY?
A household needs about $21,136 a year to afford the typical home in McCreary County, KY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $40,509.