Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$358,536−0.2% YoY · prices are flat
Market right nowBalanced, leaning sellersFewer homes for sale than last year, 8% have cut their price
Income needed to buy, per year$77,723About 0.9× the local median income ($89,773): affordable for a typical household
Days on market89 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+2.9%Zillow expects prices to rise slightly
The typical home in Woodford County, KY is worth $358,536, about the same as a year ago. That is slightly above what local incomes have historically supported: fair value is about $342,520, so the area is 4.7% overvalued. It is a balanced market, leaning toward sellers: homes take about 89 days to sell, listings are down 1% from a year ago, 8% of listings have had a price cut. Zillow expects prices to rise about 2.9% over the next year. A household needs about $77,723 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 $89,773. Typical rent is $1,522 a month, or $1,883 for a house. In the latest IRS figures, 223 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
$358,536
Change in 1 year
−0.2%
Overvalued %
+4.7%
Show 7 more
Fair home value
$342,520
Change in 5 years
+24.2%
Zillow forecast, next 12 months
+2.9%
Home value to income
4.0×
Monthly mortgage payment (20% down)
$1,943
Income needed to afford it
$77,723
Property tax rate
0.70%
Rent and investing
Typical rent
$1,522
Typical rent for houses
$1,883
Price-to-rent ratio
19.6×
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HUD Fair Market Rent, 2 bedrooms
$1,416
Gross rental yield
5.09%
Cap rate (estimate)
3.31%
Market activity
Listings vs a year ago
−1.3%
Days on market
89
Listings with a price cut
8.5%
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Homes for sale
75
Pending sales per 100 listings
104
Asking price per sq ft
$203
People and jobs
Median household income
$89,773
Population change (1 year)
+0.7%
Unemployment rate
2.5%
Show 4 more
Population
27,883
Income adjusted for cost of living
$96,634
Net moves in (IRS)
+223
Cost of living (US = 100)
92.9
Schools, risk and environment
School rating (1 to 10)
8.7
FEMA hazard risk score (0 to 100)
40.0
Flood risk score
48.0
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Wildfire risk score
7.7
Walkability (1 to 20)
5.7
Road, rail and air noise
55 dB
Questions people ask
Is Woodford County, KY overvalued?
Home prices in Woodford County, KY are slightly above what local incomes have historically supported: fair value is about $342,520, so the area is 4.7% overvalued.
Is Woodford County, KY a buyer's or seller's market?
Woodford County, KY is a balanced market, leaning toward sellers: homes take about 89 days to sell, listings are down 1% from a year ago, 8% of listings have had a price cut.
Are home prices going down in Woodford County, KY?
Home values in Woodford County, KY are down 0.2% 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 Woodford County, KY?
A household needs about $77,723 a year to afford the typical home in Woodford County, KY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $89,773.