Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$342,459+3.8% YoY · prices are rising fast
Market right nowBalanced, leaning sellersFewer homes for sale than last year, 20% have cut their price
Income needed to buy, per year$74,238About 0.8× the local median income ($93,893): affordable for a typical household
Days on market51 daysFaster than a year ago: sellers have the edge
Next 12 months+2.9%Zillow expects prices to rise slightly
The typical home in Scott County, KY is worth $342,459, up 3.8% from a year ago. That is well above what local incomes have historically supported: fair value is about $307,680, so the area is 11.3% overvalued. It is a balanced market, leaning toward sellers: homes take about 51 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 2.9% over the next year. A household needs about $74,238 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 $93,893. Typical rent is $1,601 a month, or $1,981 for a house. In the latest IRS figures, 483 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
$342,459
Change in 1 year
+3.8%
Overvalued %
+11.3%
Show 7 more
Fair home value
$307,680
Change in 5 years
+33.3%
Zillow forecast, next 12 months
+2.9%
Home value to income
3.6×
Monthly mortgage payment (20% down)
$1,856
Income needed to afford it
$74,238
Property tax rate
0.66%
Rent and investing
Typical rent
$1,601
Typical rent for houses
$1,981
Price-to-rent ratio
17.8×
Show 3 more
HUD Fair Market Rent, 2 bedrooms
$1,416
Gross rental yield
5.61%
Cap rate (estimate)
3.65%
Market activity
Listings vs a year ago
−0.6%
Days on market
51
Listings with a price cut
20.1%
Show 3 more
Homes for sale
180
Pending sales per 100 listings
73
Asking price per sq ft
$195
People and jobs
Median household income
$93,893
Population change (1 year)
+0.9%
Unemployment rate
4.3%
Show 4 more
Population
62,262
Income adjusted for cost of living
$101,069
Net moves in (IRS)
+483
Cost of living (US = 100)
92.9
Schools, risk and environment
School rating (1 to 10)
7.0
FEMA hazard risk score (0 to 100)
56.1
Flood risk score
58.1
Show 3 more
Wildfire risk score
14.6
Walkability (1 to 20)
7.2
Road, rail and air noise
54 dB
Questions people ask
Is Scott County, KY overvalued?
Home prices in Scott County, KY are well above what local incomes have historically supported: fair value is about $307,680, so the area is 11.3% overvalued.
Is Scott County, KY a buyer's or seller's market?
Scott County, KY is a balanced market, leaning toward sellers: homes take about 51 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 Scott County, KY?
Home values in Scott County, KY are up 3.8% over the last year. Zillow's forecast for the next 12 months is +2.9%.
How much do you need to earn to buy a home in Scott County, KY?
A household needs about $74,238 a year to afford the typical home in Scott County, KY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $93,893.