Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$237,230+3.5% YoY · prices are rising fast
Market right nowBalanced, leaning sellersMore homes for sale than last year, 17% have cut their price
Income needed to buy, per year$51,426About 0.8× the local median income ($68,030): affordable for a typical household
Days on market66 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+3.0%Zillow expects prices to rise slightly
The typical home in Pendleton County, KY is worth $237,230, up 3.5% from a year ago. That is well above what local incomes have historically supported: fair value is about $181,510, so the area is 30.7% overvalued. It is a balanced market, leaning toward sellers: homes take about 66 days to sell, listings are up 5% from a year ago, 17% of listings have had a price cut. Zillow expects prices to rise about 3.0% over the next year. A household needs about $51,426 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 $68,030. In the latest IRS figures, 75 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
$237,230
Change in 1 year
+3.5%
Overvalued %
+30.7%
Show 7 more
Fair home value
$181,510
Change in 5 years
+34.6%
Zillow forecast, next 12 months
+3.0%
Home value to income
3.5×
Monthly mortgage payment (20% down)
$1,286
Income needed to afford it
$51,426
Property tax rate
0.80%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,442
Market activity
Listings vs a year ago
+4.8%
Days on market
66
Listings with a price cut
17.0%
Show 3 more
Homes for sale
22
Pending sales per 100 listings
68
Asking price per sq ft
$172
People and jobs
Median household income
$68,030
Population change (1 year)
−0.0%
Unemployment rate
4.5%
Show 4 more
Population
14,800
Income adjusted for cost of living
$71,310
Net moves in (IRS)
+75
Cost of living (US = 100)
95.4
Schools, risk and environment
School rating (1 to 10)
5.2
FEMA hazard risk score (0 to 100)
29.9
Flood risk score
49.1
Show 3 more
Wildfire risk score
5.5
Walkability (1 to 20)
4.6
Road, rail and air noise
53 dB
Questions people ask
Is Pendleton County, KY overvalued?
Home prices in Pendleton County, KY are well above what local incomes have historically supported: fair value is about $181,510, so the area is 30.7% overvalued.
Is Pendleton County, KY a buyer's or seller's market?
Pendleton County, KY is a balanced market, leaning toward sellers: homes take about 66 days to sell, listings are up 5% from a year ago, 17% of listings have had a price cut.
Are home prices going down in Pendleton County, KY?
Home values in Pendleton County, KY are up 3.5% over the last year. Zillow's forecast for the next 12 months is +3.0%.
How much do you need to earn to buy a home in Pendleton County, KY?
A household needs about $51,426 a year to afford the typical home in Pendleton County, KY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $68,030.