Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$174,385+0.4% YoY · prices are flat
Market right nowBalanced marketFewer homes for sale than last year, 10% have cut their price
Income needed to buy, per year$37,803About 0.7× the local median income ($51,715): affordable for a typical household
Days on market98 daysSlower than a year ago: buyers have time to negotiate
The typical home in Metcalfe County, KY is worth $174,385, about the same as a year ago. That is well above what local incomes have historically supported: fair value is about $140,599, so the area is 24.0% overvalued. It is a balanced market: homes take about 98 days to sell, listings are down 18% from a year ago, 10% of listings have had a price cut. A household needs about $37,803 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 $51,715. In the latest IRS figures, 43 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
$174,385
Change in 1 year
+0.4%
Overvalued %
+24.0%
Show 6 more
Fair home value
$140,599
Change in 5 years
+42.3%
Home value to income
3.4×
Monthly mortgage payment (20% down)
$945
Income needed to afford it
$37,803
Property tax rate
0.67%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$909
Market activity
Listings vs a year ago
−18.5%
Days on market
98
Listings with a price cut
10.0%
Show 3 more
Homes for sale
22
Pending sales per 100 listings
18
Asking price per sq ft
$150
People and jobs
Median household income
$51,715
Population change (1 year)
+0.4%
Unemployment rate
4.9%
Show 4 more
Population
10,583
Income adjusted for cost of living
$60,627
Net moves in (IRS)
+43
Cost of living (US = 100)
85.3
Schools, risk and environment
School rating (1 to 10)
2.8
FEMA hazard risk score (0 to 100)
21.8
Flood risk score
33.0
Show 3 more
Wildfire risk score
6.8
Walkability (1 to 20)
4.0
Road, rail and air noise
55 dB
Questions people ask
Is Metcalfe County, KY overvalued?
Home prices in Metcalfe County, KY are well above what local incomes have historically supported: fair value is about $140,599, so the area is 24.0% overvalued.
Is Metcalfe County, KY a buyer's or seller's market?
Metcalfe County, KY is a balanced market: homes take about 98 days to sell, listings are down 18% from a year ago, 10% of listings have had a price cut.
Are home prices going down in Metcalfe County, KY?
Home values in Metcalfe County, KY are up 0.4% over the last year.
How much do you need to earn to buy a home in Metcalfe County, KY?
A household needs about $37,803 a year to afford the typical home in Metcalfe County, KY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $51,715.