Fulton, KY—42041
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Fulton, KY
Fulton, KY lacks sufficient home price data for analysis.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $95,000 | 0.3% |
| Single Family | $95,000 | -1.0% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $75,000 | 0.0% |
3 Bed | $121,000 | 2.5% |
4 Bed | $161,000 | 3.2% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Fulton, KY
Fulton, 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 — Fulton, KY
As of Oct '25, Realtor.com reports that the median days on market for a home in Fulton, KY is 78. This is a increase of 10.0% 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 | $144,000 | -23.0% |
Listing Count | 24 | 8.0% |
| Listings as % of Homes | 0.4% | 8.0% |
Days on Market | 78 | 10.0% |
Demographics — Fulton, KY
As of the latest ACS Survey released in 2023, Fulton, KY has a population of 4,580, which has increased by 5.6% over the past 5 years. Fulton, KY is a popular place for families, as children make up 28.5% of the population. The area has a poorly educated workforce, with 17.6% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 6.8% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,580 | 5.6% |
% Under 18 | 28.5% | 33.8% |
% Seniors | 19.4% | -2.5% |
% WFH | 6.8% | 4.6% |
% w/ College Degree | 17.6% | 1.7% |
As of the latest ACS Survey released in 2023, Fulton, KY is a predominantly white area, with 70.8% of the population identifying as white. The white population has shrunk by 12.2% in the last 5 years. The second most common race or ethnicity in Fulton, KY is black, making up 18.4% of the population. Foreign-born residents account for 0.7% of the population in Fulton, KY, and this percentage has decreased by 22.2% 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 | 70.8% | -12.2% |
% Black | 18.4% | 22.7% |
% Hispanic | 3.0% | 66.7% |
% Asian | 0.0% | -100.0% |
% Foreign Born | 0.7% | -22.2% |
Mortgage and Risk — Fulton, KY
According to HUD data as of 2023, there were 38 mortgage originations in Fulton, KY, of which 71.0% of loans were conventional mortgages. The average loan-to-value was 71.0%, with 32.0% above 90% LTV (very high). This implies large mortgage risk in Fulton, KY. Investor activity is low, as 8.0% of loans were by investors. 5.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 38 |
% Conventional Loans | 71.0% |
% Government Loans | 29.0% |
% Investor Loans | 8.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 5.0% |
Loan Activity
Rentals and Section 8 — Fulton, KY
Fulton, KY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 211 |
Total Units Section 8 | 7 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $670 |
| 2 Bedroom | N/A | N/A | $890 |
| 3 Bedroom | N/A | N/A | $1,240 |
| 4 Bedroom | N/A | N/A | $1,450 |
Affordability — Fulton, KY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.4 |
| Median Home Price | $95,000 |
| Median Household Income | $36,400 |