Gubser Mill, KY—41007
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Gubser Mill, KY
As of Oct '25, the median home price in Gubser Mill, KY is $339,000, with a year-over-year change of 2.3%. This indicates that home prices in Gubser Mill, 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 | $339,000 | 2.3% |
| Single Family | $338,000 | 2.7% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | $356,000 | 1.7% |
4 Bed | $496,000 | 3.1% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Gubser Mill, KY
Gubser Mill, 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 — Gubser Mill, KY
As of Oct '25, Realtor.com reports that the median days on market for a home in Gubser Mill, KY is 53. This is a decrease of -35.0% 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 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $452,000 | 60.0% |
Listing Count | 2 | -55.0% |
| Listings as % of Homes | 0.3% | -55.0% |
Days on Market | 53 | -35.0% |
Demographics — Gubser Mill, KY
As of the latest ACS Survey released in 2023, Gubser Mill, KY has a population of 4,610, which has increased by 7.3% over the past 5 years. Gubser Mill, KY is a moderately popular place for families, as children make up 22.5% of the population. The area has a moderately educated workforce, with 30.2% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 9.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,610 | 7.3% |
% Under 18 | 22.5% | 9.8% |
% Seniors | 15.5% | -3.1% |
% WFH | 9.5% | 37.7% |
% w/ College Degree | 30.2% | 45.2% |
As of the latest ACS Survey released in 2023, Gubser Mill, KY is a predominantly white area, with 98.2% of the population identifying as white. The white population has shrunk by 0.5% in the last 5 years. The second most common race or ethnicity in Gubser Mill, KY is hispanic, making up 0.5% of the population. Foreign-born residents account for 0.2% of the population in Gubser Mill, KY, and this percentage has decreased by 50.0% 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 | 98.2% | -0.5% |
% Black | 0.0% | -100.0% |
% Hispanic | 0.5% | 66.7% |
% Asian | 0.0% | -100.0% |
% Foreign Born | 0.2% | -50.0% |
Mortgage and Risk — Gubser Mill, KY
According to HUD data as of 2023, there were 49 mortgage originations in Gubser Mill, KY, of which 80.0% of loans were conventional mortgages. The average loan-to-value was 55.0%, with 14.0% above 90% LTV (elevated). This implies medium mortgage risk in Gubser Mill, KY. Investor activity is low, as 2.0% of loans were by investors. 20.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 49 |
% Conventional Loans | 80.0% |
% Government Loans | 20.0% |
% Investor Loans | 2.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 20.0% |
Loan Activity
Rentals and Section 8 — Gubser Mill, KY
Gubser Mill, KY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 5 |
Total Units Section 8 | 5 |
% Rentals under Section 8 | 9.6% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,030 |
| 2 Bedroom | N/A | N/A | $1,340 |
| 3 Bedroom | N/A | N/A | $1,780 |
| 4 Bedroom | N/A | N/A | $1,960 |
Affordability — Gubser Mill, KY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.3 |
| Median Home Price | $339,000 |
| Median Household Income | $101,000 |