Owingsville, KY—40360
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Owingsville, KY
As of Oct '25, the median home price in Owingsville, KY is $177,000, with a year-over-year change of 7.8%. This indicates that home prices in Owingsville, KY are increasing. According to Zillow, the 1-year price projection is 0.5%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $177,000 | 7.8% |
| Single Family | $177,000 | 7.9% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $150,000 | 5.6% |
3 Bed | $193,000 | 6.6% |
4 Bed | $264,000 | 6.0% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Owingsville, KY
Owingsville, 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 — Owingsville, KY
As of Oct '25, Realtor.com reports that the median days on market for a home in Owingsville, KY is 40. This is a increase of 89.0% 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 17.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $340,000 | 50.0% |
Listing Count | 35 | 13.0% |
| Listings as % of Homes | 0.3% | 13.0% |
Days on Market | 40 | 89.0% |
Demographics — Owingsville, KY
As of the latest ACS Survey released in 2023, Owingsville, KY has a population of 7,070, which has increased by 2.9% over the past 5 years. Owingsville, KY is a moderately popular place for families, as children make up 21.6% of the population. The area has a poorly educated workforce, with 16.4% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 1.7% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 7,070 | 2.9% |
% Under 18 | 21.6% | -24.2% |
% Seniors | 17.4% | 21.7% |
% WFH | 1.7% | -51.4% |
% w/ College Degree | 16.4% | 13.9% |
As of the latest ACS Survey released in 2023, Owingsville, KY is a predominantly white area, with 96.5% of the population identifying as white. The white population has grown by 1.2% in the last 5 years. The second most common race or ethnicity in Owingsville, KY is hispanic, making up 1.3% of the population. Foreign-born residents account for 0.0% of the population in Owingsville, KY, and this percentage has decreased by 100.0% 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 | 96.5% | 1.2% |
% Black | 0.9% | 50.0% |
% Hispanic | 1.3% | -23.5% |
% Asian | 0.0% | -100.0% |
% Foreign Born | 0.0% | -100.0% |
Mortgage and Risk — Owingsville, KY
According to HUD data as of 2023, there were 100 mortgage originations in Owingsville, KY, of which 75.0% of loans were conventional mortgages. The average loan-to-value was 69.0%, with 30.0% above 90% LTV (very high). This implies large mortgage risk in Owingsville, KY. Investor activity is low, as 4.0% of loans were by investors. 16.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 100 |
% Conventional Loans | 75.0% |
% Government Loans | 25.0% |
% Investor Loans | 4.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 16.0% |
Loan Activity
Rentals and Section 8 — Owingsville, KY
Owingsville, KY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 128 |
Total Units Section 8 | 80 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 91.0% |
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 | $870 |
| 3 Bedroom | N/A | N/A | $1,160 |
| 4 Bedroom | N/A | N/A | $1,420 |
Affordability — Owingsville, KY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3 |
| Median Home Price | $177,000 |
| Median Household Income | $48,900 |