Bardstown, KY—40107
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 $236,000, with a year-over-year change of 0.8%. This indicates that home prices in Bardstown, KY are flat. According to Zillow, the 1-year price projection is 2.6%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $236,000 | 0.8% |
| Single Family | $236,000 | 0.9% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $193,000 | -2.0% |
3 Bed | $297,000 | 0.3% |
4 Bed | $373,000 | 1.4% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Bardstown, KY
Bardstown, KY lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 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 105. This is a increase of 203.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 44.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $405,000 | -14.0% |
Listing Count | 9 | 86.0% |
| Listings as % of Homes | 0.5% | 86.0% |
Days on Market | 105 | 203.0% |
Demographics — Bardstown, KY
As of the latest ACS Survey released in 2023, Bardstown, KY has a population of 1,980, which has decreased by -16.9% over the past 5 years. Bardstown, KY is a moderately popular place for families, as children make up 20.6% of the population. The area has a poorly educated workforce, with 10.2% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 1,980 | -16.9% |
% Under 18 | 20.6% | -0.5% |
% Seniors | 16.3% | 66.3% |
% WFH | 5.9% | 145.8% |
% w/ College Degree | 10.2% | -36.3% |
As of the latest ACS Survey released in 2023, Bardstown, KY is a predominantly white area, with 90.2% of the population identifying as white. The white population has shrunk by 8.7% in the last 5 years. The second most common race or ethnicity in Bardstown, KY is hispanic, making up 9.5% of the population. Foreign-born residents account for 5.6% of the population in Bardstown, KY, and this percentage has increased by 366.7% 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 | 90.2% | -8.7% |
% Black | 3.9% | ∞% |
% Hispanic | 9.5% | ∞% |
% Asian | 0.0% | -100.0% |
% Foreign Born | 5.6% | 366.7% |
Mortgage and Risk — Bardstown, KY
According to HUD data as of 2023, there were 47 mortgage originations in Bardstown, KY, of which 83.0% of loans were conventional mortgages. The average loan-to-value was 66.0%, with 28.0% above 90% LTV (very high). This implies large mortgage risk in Bardstown, KY. Investor activity is low, as 0.0% of loans were by investors. 6.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 47 |
% Conventional Loans | 83.0% |
% Government Loans | 17.0% |
% Investor Loans | 0.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 6.0% |
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 | 2 |
Total Units Section 8 | 2 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $700 |
| 2 Bedroom | N/A | N/A | $920 |
| 3 Bedroom | N/A | N/A | $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 | 4 |
| Median Home Price | $236,000 |
| Median Household Income | $54,500 |