Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$163,675−2.0% YoY · prices are falling
Market right nowBuyer's marketMore homes for sale than last year, 21% have cut their price
Income needed to buy, per year$35,481About 0.8× the local median income ($41,853): affordable for a typical household
Days on market84 daysSlower than a year ago: buyers have time to negotiate
The typical home in Wayne County, KY is worth $163,675, down 2.0% from a year ago. That is well above what local incomes have historically supported: fair value is about $129,850, so the area is 26.0% overvalued. It is a buyer's market: homes take about 84 days to sell, listings are up 31% from a year ago, 21% of listings have had a price cut. A household needs about $35,481 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 $41,853. In the latest IRS figures, 12 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
$163,675
Change in 1 year
−2.0%
Overvalued %
+26.0%
Show 6 more
Fair home value
$129,850
Change in 5 years
+38.5%
Home value to income
3.9×
Monthly mortgage payment (20% down)
$887
Income needed to afford it
$35,481
Property tax rate
0.56%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$909
Market activity
Listings vs a year ago
+31.0%
Days on market
84
Listings with a price cut
20.7%
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Homes for sale
76
Pending sales per 100 listings
20
Asking price per sq ft
$161
People and jobs
Median household income
$41,853
Population change (1 year)
+0.2%
Unemployment rate
5.8%
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Population
19,597
Income adjusted for cost of living
$49,066
Net moves in (IRS)
+12
Cost of living (US = 100)
85.3
Schools, risk and environment
School rating (1 to 10)
5.0
FEMA hazard risk score (0 to 100)
54.7
Flood risk score
51.1
Show 3 more
Wildfire risk score
38.0
Walkability (1 to 20)
4.7
Road, rail and air noise
55 dB
Questions people ask
Is Wayne County, KY overvalued?
Home prices in Wayne County, KY are well above what local incomes have historically supported: fair value is about $129,850, so the area is 26.0% overvalued.
Is Wayne County, KY a buyer's or seller's market?
Wayne County, KY is a buyer's market: homes take about 84 days to sell, listings are up 31% from a year ago, 21% of listings have had a price cut.
Are home prices going down in Wayne County, KY?
Home values in Wayne County, KY are down 2.0% over the last year.
How much do you need to earn to buy a home in Wayne County, KY?
A household needs about $35,481 a year to afford the typical home in Wayne County, KY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $41,853.