Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$140,626−10.7% YoY · prices are falling fast
Market right nowBuyer's marketMore homes for sale than last year, 28% have cut their price
Income needed to buy, per year$30,485About 0.6× the local median income ($48,936): affordable for a typical household
Days on market80 daysSlower than a year ago: buyers have time to negotiate
The typical home in Whitley County, KY is worth $140,626, down 10.7% from a year ago. That is well below what local incomes have historically supported: fair value is about $169,250, so the area is 16.9% undervalued. It is a buyer's market: homes take about 80 days to sell, listings are up 15% from a year ago, 28% of listings have had a price cut. A household needs about $30,485 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 $48,936. In the latest IRS figures, 22 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
$140,626
Change in 1 year
−10.7%
Overvalued %
−16.9%
Show 6 more
Fair home value
$169,250
Change in 5 years
−2.4%
Home value to income
2.9×
Monthly mortgage payment (20% down)
$762
Income needed to afford it
$30,485
Property tax rate
0.64%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$909
Market activity
Listings vs a year ago
+15.1%
Days on market
80
Listings with a price cut
28.0%
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Homes for sale
84
Pending sales per 100 listings
31
Asking price per sq ft
$137
People and jobs
Median household income
$48,936
Population change (1 year)
+0.2%
Unemployment rate
5.3%
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Population
37,297
Income adjusted for cost of living
$57,369
Net moves in (IRS)
+22
Cost of living (US = 100)
85.3
Schools, risk and environment
School rating (1 to 10)
8.0
FEMA hazard risk score (0 to 100)
62.2
Flood risk score
71.1
Show 3 more
Wildfire risk score
85.1
Walkability (1 to 20)
5.1
Road, rail and air noise
55 dB
Questions people ask
Is Whitley County, KY overvalued?
Home prices in Whitley County, KY are well below what local incomes have historically supported: fair value is about $169,250, so the area is 16.9% undervalued.
Is Whitley County, KY a buyer's or seller's market?
Whitley County, KY is a buyer's market: homes take about 80 days to sell, listings are up 15% from a year ago, 28% of listings have had a price cut.
Are home prices going down in Whitley County, KY?
Home values in Whitley County, KY are down 10.7% over the last year.
How much do you need to earn to buy a home in Whitley County, KY?
A household needs about $30,485 a year to afford the typical home in Whitley County, KY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $48,936.