Radcliff, KY—40160
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Radcliff, KY
As of Oct '25, the median home price in Radcliff, KY is $209,000, with a year-over-year change of 4.2%. This indicates that home prices in Radcliff, KY are increasing. According to Zillow, the 1-year price projection is 1.1%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $209,000 | 4.2% |
| Single Family | $210,000 | 3.4% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $140,000 | 7.7% |
3 Bed | $211,000 | 3.4% |
4 Bed | $257,000 | 3.6% |
| 5 Bed | $290,000 | 2.5% |
% of Housing Stock
Rental Trends — Radcliff, KY
As of July '25, Rentcast reports the average rent in Radcliff, KY is $1,090, with a year-over-year rent change of -10.7%. Per bedroom, the median rent as of July '25 in Radcliff, KY is 1-bedrooms: $740, 2-bedrooms: $998, 3-bedrooms: $1,460, 4-bedrooms: $1,830. The most common rental property sizes in Radcliff, KY are 2-bedroom and 3-bedroom, accounting for 47.8% and 27.9% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $995 | $1,090 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $700 | $740 |
| 2 Bed Rent | $955 | $998 |
| 3 Bed Rent | $1,400 | $1,460 |
| 4 Bed Rent | $1,760 | $1,830 |
% of Rental Stock
Property Listings — Radcliff, KY
As of Oct '25, Realtor.com reports that the median days on market for a home in Radcliff, KY is 68. This is a increase of 78.0% 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 32.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $263,000 | 0.0% |
Listing Count | 105 | 41.0% |
| Listings as % of Homes | 0.6% | 41.0% |
Days on Market | 68 | 78.0% |
Demographics — Radcliff, KY
As of the latest ACS Survey released in 2023, Radcliff, KY has a population of 23,200, which has remained stable by 0.4% over the past 5 years. Radcliff, KY is a moderately popular place for families, as children make up 24.6% of the population. The area has a poorly educated workforce, with 14.6% 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 | 23,200 | 0.4% |
% Under 18 | 24.6% | -0.8% |
% Seniors | 14.9% | 12.0% |
% WFH | 5.9% | 136.0% |
% w/ College Degree | 14.6% | -19.3% |
As of the latest ACS Survey released in 2023, Radcliff, KY is a predominantly white area, with 61.4% of the population identifying as white. The white population has grown by 11.8% in the last 5 years. The second most common race or ethnicity in Radcliff, KY is black, making up 24.1% of the population. Foreign-born residents account for 4.7% of the population in Radcliff, KY, and this percentage has decreased by 24.2% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 61.4% | 11.8% |
% Black | 24.1% | -5.5% |
% Hispanic | 8.7% | -10.3% |
% Asian | 2.5% | -10.7% |
% Foreign Born | 4.7% | -24.2% |
Mortgage and Risk — Radcliff, KY
According to HUD data as of 2023, there were 536 mortgage originations in Radcliff, KY, of which 46.0% of loans were conventional mortgages. The average loan-to-value was 74.0%, with 48.0% above 90% LTV (very high). This implies large mortgage risk in Radcliff, KY. Investor activity is low, as 8.0% 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 | 536 |
% Conventional Loans | 46.0% |
% Government Loans | 54.0% |
% Investor Loans | 8.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Radcliff, KY
As of 2024, the percent of homes in Radcliff, KY under the Section 8 program is 5.9%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom and 2-bedroom and 3-bedroom units appear to be good home sizes to consider for Section 8 housing in Radcliff, KY, because HUD payments exceed market rent, while 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 338 |
Total Units Section 8 | 262 |
% Rentals under Section 8 | 5.9% |
% Occupied Section 8 | 68.8% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $110 | $700 | $810 |
| 2 Bedroom | $55 | $955 | $1,010 |
| 3 Bedroom | $20 | $1,400 | $1,420 |
| 4 Bedroom | -$60 | $1,760 | $1,700 |
Affordability — Radcliff, KY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.1 |
| Median Home Price | $209,000 |
| Median Household Income | $59,300 |