🏠 Buying a house in Kentucky | 🏘️ Selling a house in Kentucky | 🚚 Moving to Kentucky
🏡 Home values in Kentucky have risen 15.05% over the past year, indicating a seller's market.
📈 Housing inventory (the total number of homes for sale) stands at 10,310. That's about 5.03 months of inventory, indicating a seller's market.
📊 The sale-to-list price ratio (the percentage of listing price sellers are actually getting) is 97.10%, indicating a buyer's market.
How does Kentucky compare to the national average?
| Data point | Value | Rank | Compared to national avg |
| Typical home value | $225,788"Zillow Home Value Index"</a> Updated October 31, 2025.<br><br><a class="view-all-sources-link" href=https://listwithclever.com/kentucky/"#article-sources">View All Sources</a>">[1] | #45 of 50 states | 39.5% lower |
| Median listing price | $309,613"Realtor.com Data Library"</a> Updated October 2025.<br><br><a class="view-all-sources-link" href=https://listwithclever.com/kentucky/"#article-sources">View All Sources</a>">[2] | #38 of 50 states | 29.5% lower |
| Median sale price | $287,500"Redfin Data Center"</a> Updated October 2025.<br><br><a class="view-all-sources-link" href=https://listwithclever.com/kentucky/"#article-sources">View All Sources</a>">[3] | #41 of 50 states | 33.6% lower |
| 30-year mortgage rate | 6.92%"Bankrate" Updated December 2025.<br><br><a class="view-all-sources-link" href=https://listwithclever.com/kentucky/"#article-sources">View All Sources</a>">[4] | #10 of 50 states | 0.8% lower |
| Median days on market | 53"Realtor.com Data Library"</a> Updated October 2025.<br><br><a class="view-all-sources-link" href=https://listwithclever.com/kentucky/"#article-sources">View All Sources</a>">[5] | #16 of 50 states | 12% shorter |
Looking to buy or sell in Kentucky?
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Buying a house in the Kentucky real estate market
Kentucky has an affordability score of 4.7, meaning it takes 4.7 years of the median household income ($61,118) to afford Kentucky's median home sale price ($287,500). Because of this, we rank Kentucky as the 21st most affordable state for buyers based strictly on prices compared to income.
| Data Point | Value | Rank | Compared to national avg |
| Median sale price | $287,500"Redfin Data Center"</a> Updated October 2025.<br><br><a class="view-all-sources-link" href=https://listwithclever.com/kentucky/"#article-sources">View All Sources</a>">[6] | #41 of 50 states | 33.6% lower |
| 30-year mortgage rate | 6.92%"Bankrate" Updated December 2025.<br><br><a class="view-all-sources-link" href=https://listwithclever.com/kentucky/"#article-sources">View All Sources</a>">[7] | #10 of 50 states | 0.8% lower |
| Median household income | $61,118"US Census, 2020 American Community Survey"</a> Updated 2020.<br><br><a class="view-all-sources-link" href=https://listwithclever.com/kentucky/"#article-sources">View All Sources</a>">[8] | #46 of 50 states | 20.6% lower |
| Affordability ratio | 4.7 | #21 of 50 states | 14.8% lower |
| Buyers agent commission | 2.82%"Clever Real Estate survey of American real estate agents"</a> Updated December 2025.<br><br><a class="view-all-sources-link" href=https://listwithclever.com/kentucky/"#article-sources">View All Sources</a>">[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 | $309,613"Realtor.com Data Library"</a> Updated October 2025.<br><br><a class="view-all-sources-link" href=https://listwithclever.com/kentucky/"#article-sources">View All Sources</a>">[10] | #38 of 50 states | 29.5% lower |
| Median sale price | $287,500"Redfin Data Center"</a> Updated October 2025.<br><br><a class="view-all-sources-link" href=https://listwithclever.com/kentucky/"#article-sources">View All Sources</a>">[11] | #41 of 50 states | 33.6% lower |
| Median days on market | 53"Realtor.com Data Library"</a> Updated October 2025.<br><br><a class="view-all-sources-link" href=https://listwithclever.com/kentucky/"#article-sources">View All Sources</a>">[12] | #16 of 50 states | 12% shorter |
| Buyer's agent commission | 2.82%"Clever Real Estate survey of American real estate agents"</a> Updated December 2025.<br><br><a class="view-all-sources-link" href=https://listwithclever.com/kentucky/"#article-sources">View All Sources</a>">[13] | #27 of 50 states | 2.7% higher |
| Listing agent commission | 2.83%"Clever Real Estate survey of American real estate agents"</a> Updated December 2025.<br><br><a class="view-all-sources-link" href=https://listwithclever.com/kentucky/"#article-sources">View All Sources</a>">[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"Half of Americans Are Surprised by How Much It Costs to Move"</a> Updated February 26, 2024.<br><br><a class="view-all-sources-link" href=https://listwithclever.com/kentucky/"#article-sources">View All Sources</a>">[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"The 15+ Best Pizza Cities in America"</a> Updated February 12, 2024.<br><br><a class="view-all-sources-link" href=https://listwithclever.com/kentucky/"#article-sources">View All Sources</a>">[16] | Louisville | 42nd best |
| Best Coffee Cities"The Best (and Worst) Coffee Cities in America"</a> Updated January 12, 2024.<br><br><a class="view-all-sources-link" href=https://listwithclever.com/kentucky/"#article-sources">View All Sources</a>">[17] | Louisville | 16th best |
| Best LGBTQ Cities"The Most (and Least) LGBTQ-Friendly Cities in America"</a> Updated October 23, 2023.<br><br><a class="view-all-sources-link" href=https://listwithclever.com/kentucky/"#article-sources">View All Sources</a>">[18] | Louisville | 27th best |
| Best Bike Cities"The Most Bike-Friendly Cities in the U.S."</a> Updated July 17, 2023.<br><br><a class="view-all-sources-link" href=https://listwithclever.com/kentucky/"#article-sources">View All Sources</a>">[19] | Louisville | 31st best |
| Best Commuter Cities"The Best (and Worst) Cities for Commuters"</a> Updated September 21, 2023.<br><br><a class="view-all-sources-link" href=https://listwithclever.com/kentucky/"#article-sources">View All Sources</a>">[20] | Louisville | 14th best |
Where to shop for homes in Kentucky
Frequently asked questions
As of November 28, 2025, the median days on market (DOM) in Kentucky is 64. On average, it takes about 60 days to sell in Kentucky.
Home values have risen in Kentucky over the past year. The current median home value is $225,788 and it's projected to rise by 0.54% in the next year.
As of November 28, 2025, sellers in Kentucky are typically getting 98.87% of the list price for their homes.
Methodology
Information on market conditions is based on Zillow data as of October 2025, Realtor.com data as of October 2025, and HouseCanary data as of November 28, 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.