🏠 Buying a house in Kentucky | 🏘️ Selling a house in Kentucky | 🚚 Moving to Kentucky
🏡 Home values in Kentucky have risen 15.62% over the past year, indicating a seller's market.
📈 Housing inventory (the total number of homes for sale) stands at 10,207. That's about 4.43 months of inventory, indicating a seller's market.
📊 The sale-to-list price ratio (the percentage of listing price sellers are actually getting) is 97.70%, indicating a buyer's market.
How does Kentucky compare to the national average?
| Data point | Value | Rank | Compared to national avg |
| Typical home value | $222,718[1] | #45 of 50 states | 40.7% lower |
| Median listing price | $309,900[2] | #39 of 50 states | 30.1% lower |
| Median sale price | $282,300[3] | #42 of 50 states | 35.5% lower |
| 30-year mortgage rate | 6.92%[4] | #10 of 50 states | 0.8% lower |
| Median days on market | 52[5] | #16 of 50 states | 11.6% shorter |
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Buying a house in the Kentucky real estate market
Kentucky has an affordability score of 4.6, meaning it takes 4.6 years of the median household income ($61,118) to afford Kentucky's median home sale price ($282,300). Because of this, we rank Kentucky as the 15th most affordable state for buyers based strictly on prices compared to income.
| Data Point | Value | Rank | Compared to national avg |
| Median sale price | $282,300[6] | #42 of 50 states | 35.5% lower |
| 30-year mortgage rate | 6.92%[7] | #10 of 50 states | 0.8% lower |
| Median household income | $61,118[8] | #46 of 50 states | 20.6% lower |
| Affordability ratio | 4.6 | #15 of 50 states | 17.2% lower |
| Buyers agent commission | 2.82%[9] | #27 of 50 states | 2.7% higher |
Who pays for realtor commission in Kentucky?
Real estate agents' commissions are technically the responsibility of their respective clients - buyers pay their agents, and sellers pay theirs. Each party signs a contract with their agent promising to pay. However, sellers usually offer to pay for the buyer's agent so they can more easily afford the home.
Who pays closing costs in Kentucky?
Sellers are usually responsible for most closing costs, but some closing expenses fall to the buyer. As a buyer, you'll be expected to pay for the mortgage loan origination fee and other lender-related fees, private mortgage insurance, the down payment, an appraisal fee, and a home inspection fee.
Learn more about who pays closing costs in Kentucky.
Resources for Kentucky home buyers
Preparing to buy in Kentucky
Selling a house in the Kentucky real estate market
According to our detailed survey of Kentucky real estate agents, listing agents (those representing the seller) charge an average commission in Kentucky of 2.83%, which is the 18th lowest in the United States. Buyers' agents charge an average commission of 2.82%, which is the 24th highest in the United States.
| Data point | Value | Rank | Compared to national avg |
| Median listing price | $309,900[10] | #39 of 50 states | 30.1% lower |
| Median sale price | $282,300[11] | #42 of 50 states | 35.5% lower |
| Median days on market | 52[12] | #16 of 50 states | 11.6% shorter |
| Buyer's agent commission | 2.82%[13] | #27 of 50 states | 2.7% higher |
| Listing agent commission | 2.83%[14] | #18 of 50 states | 0.4% lower |
Resources for Kentucky home sellers
Preparing to sell in Kentucky
- Selling a House in Kentucky: 8 Simple Steps
- Average Time to Sell a House in Kentucky
- When Is the Best Time to Sell a House in Kentucky?
- Top Real Estate Agents in Kentucky
Kentucky home selling costs and requirements
Moving to Kentucky
According to our recent moving trends survey[15], 6% of Americans indicated that they would choose to move to Kentucky if money were no object. Likewise, 6% of survey respondents indicated that they would move to Louisville among a choice of America's largest cities.
Here's how Kentucky cities rank in a number of our research studies.
| Study | Best Kentucky city | Rank |
| Best Pizza Cities[16] | Louisville | 42nd best |
| Best Coffee Cities[17] | Louisville | 16th best |
| Best LGBTQ Cities[18] | Louisville | 27th best |
| Best Bike Cities[19] | Louisville | 31st best |
| Best Commuter Cities[20] | Louisville | 14th best |
Where to shop for homes in Kentucky
Frequently asked questions
As of October 10, 2025, the median days on market (DOM) in Kentucky is 51. On average, it takes about 50 days to sell in Kentucky.
Home values have risen in Kentucky over the past year. The current median home value is $224,303 and it's projected to decrease by 0.35% in the next year.
As of October 10, 2025, sellers in Kentucky are typically getting 99.11% of the list price for their homes.
Methodology
Information on market conditions is based on Zillow data as of August 2025, Realtor.com data as of September 2025, and HouseCanary data as of October 10, 2025, unless specified otherwise.
We gathered our commission rate data from a September 2025 survey of 828 of agents nationwide. The survey asked about standard local rates for both listing and buying agents. To ensure an adequate amount of agent data, these data points are averages based on responses we've received from 250 agents in the Southeast region.