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The Best Time to Buy a House in Kentucky

Like many things involved in buying a house, when to buy is a personal decision. What are your family’s priorities? Is price or selection more important to you? Learn more today about how to time the market in Kentucky.
Like many things involved in buying a house, when to buy is a personal decision. What are your family’s priorities? Is price or selection more important to you? Learn more today about how to time the market in Kentucky.

If you’re looking to buy a house in Kentucky, you may be wondering what the right time is to start looking. That answer can depend on a lot of things, including your budget, your priorities, and where you’re looking to move.

If you’re trying to time your local market, try getting in touch with an experienced local real estate agent. Local agents understand the seasonal variances and how to get the most for your money.

Best Time of Year to Buy in Kentucky

Kentucky is a dynamic state that offers something for everyone — from cities like Lexington and Louisville to rural countryside and mountaintop getaways.

Timing a unique market like Kentucky’s can be difficult. That said, there are some general guidelines you can follow depending on your priorities.

What is most important to you and your family? Do you want the lowest prices? The largest selection of houses? Or something in between?

Lowest Prices

For the lowest prices, you’ll probably want to start looking in the fall and aim to buy in the late fall to early winter. In fall and winter, there are fewer homes on the market but also fewer people looking to buy.

Homeowners selling from November through February are often selling because they have to, not because they want to — and that can lead to large discounts.

Biggest Selection of Homes

If selection is more important to you than price, spring is for you. April has the most listings of any month, and April, May, and June are far and away the three most popular months for new listings.

Unfortunately for buyers, spring is also the most expensive time to buy. In the spring selling season, with the most availability comes the most competition. From March to May, one in every four houses sells above its list price.

Good Selection & Good Prices

If you want a middle ground between the craziness of spring and the lull of winter, home shopping towards the end of summer might be for you. There’s a larger selection of homes available than in the fall and winter, and unlike in spring, houses will be priced to move.

Homeowners who hoped to sell in spring or summer, but didn’t, will start to offer discounts towards the end of summer. Sellers still living in their homes want to move before the weather gets cold. Parents want to move before the school year starts. And because the end of the season attracts fewer buyers, good deals are still to be had.

The Best Places to Buy a Home in Kentucky


Louisville is more than just the biggest city in Kentucky and home to the Kentucky Derby; it’s also a metropolitan city filled with restaurants, shops, and culture. From Crescent Hill to Germantown and everywhere in between, there is a neighborhood in Louisville and its surrounding area for everyone.


Wilmore is in Jessamine County, about 30 minutes from Lexington. It’s a small town with low crime rates and affordable real estate. If you work in the city but are looking for small town charm, Wilmore just might be the place for you.

Cherokee Seneca

Cherokee Seneca, a suburb of Louisville, is a great place for families and young people. Its affordability, diversity, good schools, and low crime rate make Cherokee Seneca an appealing place to live.

Fort Thomas

A suburb of Cincinnati, Fort Thomas is found on the southern bank of the Ohio River. Fort Thomas is a charming town of around 16,000, with walkable streets, friendly faces, and affordable real estate.


No list of places to live in Kentucky would be complete without Lexington. Home to the University of Kentucky, hip restaurants, and just a hop from many stops on the Bourbon Trail, Lexington has something for everyone.

4 Ways to Get a Great Deal On a Home in Kentucky

1. Find a Great Kentucky Real Estate Agent

It’s important for every buyer to find the right real estate agent. You need an agent who knows the local market inside and out and can advise you on the best time to buy in your area.

A good agent will know the trends and when homes like the one you’re looking for are likely to appear on the market. Realtors are experts and can help advise you on what time of the year to buy to fit your family’s needs.

Learn More: What Does a Real Estate Agent Do for a Buyer?

2. Assess Your Needs and Lay Out Your Goals

When you’re buying a home, every decision is personal, and how to time your purchase is no different. Some buyers care most about price, while others are more interested in having the widest selection to choose from. Some are tied to a specific location, while others don’t have a particular area in mind.

Plan out your needs and priorities before you start looking. From there, you can get a better idea of when the time is right for you to look.

Learn More: What to Look for When Buying a Home

3. Find a Lender and Secure Financing.

Home buyers have many different financing options open to them, from government-sponsored and subsidized loans to traditional mortgages from private lenders. Your agent can help evaluate your financing options and figure out what will work for you, given your goals and current financial situation.

Remember that the closing process typically takes around 30 days, so if you’re on a fixed timeline, be sure to tell your agent.

Learn More: A Step-By-Step Guide to the Home Loan Process

4. Negotiate for the Best Possible Price

After you’ve found your dream home, your agent will help you prepare and make your offer. When looking for an agent, make sure you find an expert negotiator who will save you money every step of the way.

Learn More: How to Find a Buyer’s Agent That’s a Good Negotiator

Next Steps

If you’re shopping for a home in Kentucky, get in touch with a Clever Partner Agent. Clever Partner Agents are all top-rated and can help you with every step of the purchase process.

Fill out our online form and we’ll put you in touch with a Clever Partner Agent in Kentucky for a no-obligation consultation.



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