Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$123,470−6.0% YoY · prices are falling fast
Market right nowBuyer's marketMore homes for sale than last year, 29% have cut their price
Income needed to buy, per year$26,766About 0.8× the local median income ($34,802): affordable for a typical household
Days on market98 daysAbout the same pace as a year ago
The typical home in Owsley County, KY is worth $123,470, down 6.0% from a year ago. That is slightly below what local incomes have historically supported: fair value is about $124,123, so the area is 0.5% undervalued. It is a buyer's market: homes take about 98 days to sell, listings are up 100% from a year ago, 29% of listings have had a price cut. A household needs about $26,766 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 $34,802. In the latest IRS figures, 26 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
$123,470
Change in 1 year
−6.0%
Overvalued %
−0.5%
Show 6 more
Fair home value
$124,123
Change in 5 years
+12.1%
Home value to income
3.5×
Monthly mortgage payment (20% down)
$669
Income needed to afford it
$26,766
Property tax rate
0.71%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$909
Market activity
Listings vs a year ago
+100.0%
Days on market
98
Listings with a price cut
28.6%
Show 3 more
Homes for sale
18
Pending sales per 100 listings
11
Asking price per sq ft
$163
People and jobs
Median household income
$34,802
Population change (1 year)
+0.1%
Unemployment rate
12.6%
Show 4 more
Population
3,932
Income adjusted for cost of living
$40,800
Net moves in (IRS)
+26
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)
6.4
Flood risk score
21.2
Show 3 more
Wildfire risk score
64.6
Walkability (1 to 20)
3.3
Road, rail and air noise
53 dB
Questions people ask
Is Owsley County, KY overvalued?
Home prices in Owsley County, KY are slightly below what local incomes have historically supported: fair value is about $124,123, so the area is 0.5% undervalued.
Is Owsley County, KY a buyer's or seller's market?
Owsley County, KY is a buyer's market: homes take about 98 days to sell, listings are up 100% from a year ago, 29% of listings have had a price cut.
Are home prices going down in Owsley County, KY?
Home values in Owsley County, KY are down 6.0% over the last year.
How much do you need to earn to buy a home in Owsley County, KY?
A household needs about $26,766 a year to afford the typical home in Owsley County, KY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $34,802.