Bardstown, KY—40004
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Bardstown, KY
Home Price Trends — Bardstown, KY
As of Oct '25, the median home price in Bardstown, KY is $255,000, with a year-over-year change of 4.1%. This indicates that home prices in Bardstown, KY are increasing. According to Zillow, the 1-year price projection is 2.1%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $255,000 | 4.1% |
| Single Family | $256,000 | 4.1% |
| Condos | $225,000 | 4.2% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $153,000 | 1.3% |
2 Bed | $190,000 | 2.2% |
3 Bed | $256,000 | 4.1% |
4 Bed | $388,000 | 3.2% |
| 5 Bed | $477,000 | 2.6% |
% of Housing Stock
Rental Trends — Bardstown, KY
As of July '25, Rentcast reports the average rent in Bardstown, KY is $1,380, with a year-over-year rent change of 20.0%. Per bedroom, the median rent as of July '25 in Bardstown, KY is studios: $649, 2-bedrooms: $1,370, 3-bedrooms: $1,540. The most common rental property sizes in Bardstown, KY are 3-bedroom and 2-bedroom, accounting for 43.4% and 42.7% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,350 | $1,380 |
| Studio Rent | $649 | $649 |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $1,300 | $1,370 |
| 3 Bed Rent | $1,500 | $1,540 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Bardstown, KY
As of Oct '25, Realtor.com reports that the median days on market for a home in Bardstown, KY is 45. This is a decrease of -16.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 25.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $310,000 | 4.0% |
Listing Count | 165 | -11.0% |
| Listings as % of Homes | 1.0% | -11.0% |
Days on Market | 45 | -16.0% |
Demographics — Bardstown, KY
As of the latest ACS Survey released in 2023, Bardstown, KY has a population of 30,300, which has remained stable by 0.1% over the past 5 years. Bardstown, KY is a moderately popular place for families, as children make up 21.7% of the population. The area has a poorly educated workforce, with 24.7% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 4.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 30,300 | 0.1% |
% Under 18 | 21.7% | -14.9% |
% Seniors | 18.0% | 25.0% |
% WFH | 4.6% | 7.0% |
% w/ College Degree | 24.7% | 34.2% |
As of the latest ACS Survey released in 2023, Bardstown, KY is a predominantly white area, with 86.7% of the population identifying as white. The white population has shrunk by 1.4% in the last 5 years. The second most common race or ethnicity in Bardstown, KY is black, making up 7.5% of the population. Foreign-born residents account for 2.8% of the population in Bardstown, KY, and this percentage has increased by 75.0% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 86.7% | -1.4% |
% Black | 7.5% | 19.0% |
% Hispanic | 2.7% | 0.0% |
% Asian | 0.8% | 14.3% |
% Foreign Born | 2.8% | 75.0% |
Mortgage and Risk — Bardstown, KY
According to HUD data as of 2023, there were 598 mortgage originations in Bardstown, KY, of which 63.0% of loans were conventional mortgages. The average loan-to-value was 69.0%, with 33.0% above 90% LTV (very high). This implies large mortgage risk in Bardstown, KY. Investor activity is low, as 2.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 598 |
% Conventional Loans | 63.0% |
% Government Loans | 37.0% |
% Investor Loans | 2.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Bardstown, KY
Bardstown, KY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 434 |
Total Units Section 8 | 237 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 85.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $700 |
| 2 Bedroom | -$380 | $1,300 | $920 |
| 3 Bedroom | -$230 | $1,500 | $1,270 |
| 4 Bedroom | N/A | N/A | $1,540 |
Affordability — Bardstown, KY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.5 |
| Median Home Price | $255,000 |
| Median Household Income | $64,200 |