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Cynthiana, KY—41031

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$233,000
14.0% YoY Growth
Household Income
$62,100
22.7% YoY Growth
Days on Market
106
50.0% Longer YoY
Home Price Forecast
N/A
Median Rent
$795
55.1% YoY Growth
1-Bed Rent
N/A
N/A
2-Bed Rent
N/A
N/A
3-Bed Rent
N/A
N/A
  • Home Price Trends
  • Rental Trends
  • Property Listings
  • Demographics
  • Mortgage and Risk

Home Price Trends — Cynthiana, KY

Cynthiana, KY lacks sufficient home price data for analysis.

Cost per Home Type

Home TypeMedian Home ValueYoY % Change
All Homes
$233,00014.0%
Single Family $233,00013.1%
Condos N/AN/A

Cost per Home Size

Home SizeMedian Home ValueYoY % Change
1 Bed
N/AN/A
  • Affordability
  • Rentals and Section 8
    • 2 Bed
    		$178,0007.9%
    3 Bed
    		$255,0008.5%
    4 Bed
    		$343,0006.5%
    5 Bed N/AN/A
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    % of Housing Stock

    Studio
    0.7%
    1 Bedroom
    6.9%
    2 Bedrooms
    22.9%
    3 Bedrooms
    47.2%
    4 Bedrooms
    19.1%
    5+ Bedrooms
    3.2%

    Rental Trends — Cynthiana, KY

    As of July '25, Rentcast reports the average rent in Cynthiana, KY is $795, with a year-over-year rent change of -55.1%. Per bedroom, the median rent as of July '25 in Cynthiana, KY is studios: $795. The most common rental property sizes in Cynthiana, KY are 2-bedroom and 3-bedroom, accounting for 50.4% and 30.0% of the rental stock.

    TypeMedian RentAverage Rent
    Average Rent$795$795
    Studio Rent $795$795
    1 Bed Rent N/AN/A
    2 Bed Rent N/AN/A
    3 Bed Rent N/AN/A
    4 Bed Rent N/AN/A
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    % of Rental Stock

    Studio
    1.9%
    1 Bedroom
    10.1%
    2 Bedrooms
    50.4%
    3 Bedrooms
    30.0%
    4 Bedrooms
    7.6%

    Property Listings — Cynthiana, KY

    As of Dec '25, Realtor.com reports that the median days on market for a home in Cynthiana, KY is 83. This is a increase of 11.0% 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 26.0%, representing a large inventory and a lot of supply pressure on home prices.

    MetricZip Code AverageYear over Year % Change
    Median Listing Price
    		$401,000-6.0%
    Listing Count
    		68106.0%
    Listings as % of Homes0.6%106.0%
    Days on Market
    		10650.0%
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    Demographics — Cynthiana, KY

    As of the latest ACS Survey released in 2023, Cynthiana, KY has a population of 16,700, which has increased by 5.9% over the past 5 years. Cynthiana, KY is a moderately popular place for families, as children make up 23.6% of the population. The area has a poorly educated workforce, with 21.5% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 4.9% reporting working from home.

    MetricLatest CensusYoY % Change
    Population
    		16,7005.9%
    % Under 18
    		23.6%3.1%
    % Seniors
    		18.6%5.1%
    % WFH
    		4.9%40.0%
    % w/ College Degree
    		21.5%43.3%
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    As of the latest ACS Survey released in 2023, Cynthiana, KY is a predominantly white area, with 93.1% of the population identifying as white. The white population has grown by 0.6% in the last 5 years. The second most common race or ethnicity in Cynthiana, KY is hispanic, making up 2.4% of the population. Foreign-born residents account for 1.1% of the population in Cynthiana, KY, and this percentage has remained stable as of the ACS Survey 5 years prior, suggesting immigration has remained steady.

    Race and Ethnicity

    MetricLatest Census5-Year % Change
    % White
    		93.1%0.6%
    % Black
    		2.1%-12.5%
    % Hispanic
    		2.4%-14.3%
    % Asian
    		0.0%N/A
    % Foreign Born
    		1.1%0.0%
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    Mortgage and Risk — Cynthiana, KY

    According to HUD data as of 2023, there were 341 mortgage originations in Cynthiana, KY, of which 69.0% of loans were conventional mortgages. The average loan-to-value was 65.0%, with 30.0% above 90% LTV (very high). This implies large mortgage risk in Cynthiana, KY. Investor activity is low, as 1.0% of loans were by investors. 11.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.

    Mortgages

    MetricZip Code Average
    Total Loan Originations
    		341
    % Conventional Loans
    		69.0%
    % Government Loans
    		31.0%
    % Investor Loans
    		1.0%
    % Second Loans
    		1.0%
    % Cash Out Refinance
    		11.0%
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    Rentals and Section 8 — Cynthiana, KY

    Cynthiana, KY lacks sufficient Section 8 program data for analysis.

    Section 8 Market Size

    Total Units under HUD
    		534
    Total Units Section 8
    		270
    % Rentals under Section 8
    		14.2%
    % Occupied Section 8
    		74.9%

    Section 8 Opportunity

    Home SizeHUD PremiumMarket RentMax HUD Rent
    1 BedroomN/AN/A$890
    2 BedroomN/AN/A$1,060
    3 BedroomN/AN/A$1,440
    4 BedroomN/AN/A$1,630

    Affordability — Cynthiana, KY

    Home Price to Income Ratio

    MetricZip Code Average
    Home Price to Income Ratio3
    Median Home Price$233,000
    Median Household Income$62,100

    Cynthiana, KY — ZIP Code Boundary Map

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    Nearby ZIP Codes

    Berry, KY

    41003

    Millersburg

    40348

    Paris, KY

    40361

    Mount Olivet, KY

    41064

    Falmouth, KY

    41040

    Frequently Asked Questions