Grayson, KY—41143
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Grayson, KY
As of Oct '25, the median home price in Grayson, KY is $176,000, with a year-over-year change of 9.1%. This indicates that home prices in Grayson, KY are increasing. According to Zillow, the 1-year price projection is -1.2%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $176,000 | 9.1% |
| Single Family | $175,000 | 6.7% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $119,000 | 4.4% |
3 Bed | $167,000 | 6.4% |
4 Bed | $225,000 | 6.1% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Grayson, KY
Grayson, 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 — Grayson, KY
As of Oct '25, Realtor.com reports that the median days on market for a home in Grayson, KY is 46. This is a decrease of -3.0% 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 29.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $252,000 | -17.0% |
Listing Count | 28 | -8.0% |
| Listings as % of Homes | 0.4% | -8.0% |
Days on Market | 46 | -3.0% |
Demographics — Grayson, KY
As of the latest ACS Survey released in 2023, Grayson, KY has a population of 13,800, which has decreased by -3.4% over the past 5 years. Grayson, KY is a moderately popular place for families, as children make up 23.0% of the population. The area has a poorly educated workforce, with 17.0% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 2.8% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 13,800 | -3.4% |
% Under 18 | 23.0% | 10.6% |
% Seniors | 18.8% | -1.1% |
% WFH | 2.8% | -12.5% |
% w/ College Degree | 17.0% | -2.9% |
As of the latest ACS Survey released in 2023, Grayson, KY is a predominantly white area, with 95.0% of the population identifying as white. The white population has shrunk by 0.3% in the last 5 years. The second most common race or ethnicity in Grayson, KY is hispanic, making up 0.8% of the population. Foreign-born residents account for 1.7% of the population in Grayson, KY, and this percentage has increased by 750.0% 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 | 95.0% | -0.3% |
% Black | 0.6% | -62.5% |
% Hispanic | 0.8% | -42.9% |
% Asian | 0.3% | ∞% |
% Foreign Born | 1.7% | 750.0% |
Mortgage and Risk — Grayson, KY
According to HUD data as of 2023, there were 226 mortgage originations in Grayson, KY, of which 78.0% of loans were conventional mortgages. The average loan-to-value was 74.0%, with 27.0% above 90% LTV (very high). This implies large mortgage risk in Grayson, KY. Investor activity is low, as 14.0% of loans were by investors. 11.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 226 |
% Conventional Loans | 78.0% |
% Government Loans | 22.0% |
% Investor Loans | 14.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 11.0% |
Loan Activity
Rentals and Section 8 — Grayson, KY
Grayson, KY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 366 |
Total Units Section 8 | 314 |
% Rentals under Section 8 | 23.2% |
% Occupied Section 8 | 90.7% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $740 |
| 2 Bedroom | N/A | N/A | $880 |
| 3 Bedroom | N/A | N/A | $1,250 |
| 4 Bedroom | N/A | N/A | $1,340 |
Affordability — Grayson, KY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.2 |
| Median Home Price | $176,000 |
| Median Household Income | $48,500 |