Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$225,991−2.6% YoY · prices are falling
Market right nowBuyer's marketMore homes for sale than last year, 6% have cut their price
Income needed to buy, per year$48,990About 0.8× the local median income ($58,651): affordable for a typical household
Days on market93 daysSlower than a year ago: buyers have time to negotiate
The typical home in Todd County, KY is worth $225,991, down 2.6% from a year ago. That is well above what local incomes have historically supported: fair value is about $182,078, so the area is 24.1% overvalued. It is a buyer's market: homes take about 93 days to sell, listings are up 22% from a year ago, 6% of listings have had a price cut. A household needs about $48,990 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 $58,651. In the latest IRS figures, 66 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
$225,991
Change in 1 year
−2.6%
Overvalued %
+24.1%
Show 6 more
Fair home value
$182,078
Change in 5 years
+36.1%
Home value to income
3.9×
Monthly mortgage payment (20% down)
$1,225
Income needed to afford it
$48,990
Property tax rate
0.55%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,054
Market activity
Listings vs a year ago
+21.6%
Days on market
93
Listings with a price cut
6.5%
Show 3 more
Homes for sale
45
Pending sales per 100 listings
20
Asking price per sq ft
$182
People and jobs
Median household income
$58,651
Population change (1 year)
+1.4%
Unemployment rate
3.2%
Show 4 more
Population
12,972
Income adjusted for cost of living
$68,758
Net moves in (IRS)
+66
Cost of living (US = 100)
85.3
Schools, risk and environment
School rating (1 to 10)
5.1
FEMA hazard risk score (0 to 100)
28.6
Flood risk score
29.1
Show 3 more
Wildfire risk score
2.9
Walkability (1 to 20)
4.6
Road, rail and air noise
54 dB
Questions people ask
Is Todd County, KY overvalued?
Home prices in Todd County, KY are well above what local incomes have historically supported: fair value is about $182,078, so the area is 24.1% overvalued.
Is Todd County, KY a buyer's or seller's market?
Todd County, KY is a buyer's market: homes take about 93 days to sell, listings are up 22% from a year ago, 6% of listings have had a price cut.
Are home prices going down in Todd County, KY?
Home values in Todd County, KY are down 2.6% over the last year.
How much do you need to earn to buy a home in Todd County, KY?
A household needs about $48,990 a year to afford the typical home in Todd County, KY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $58,651.