Crofton, KY—42217
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Crofton, KY
As of Oct '25, the median home price in Crofton, KY is $252,000, with a year-over-year change of 6.9%. This indicates that home prices in Crofton, KY are increasing. According to Zillow, the 1-year price projection is 3.0%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $252,000 | 6.9% |
| Single Family | $253,000 | 8.1% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $162,000 | 2.5% |
3 Bed | $275,000 | 5.8% |
4 Bed | $352,000 | 7.0% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Crofton, KY
Crofton, 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 — Crofton, KY
As of Oct '25, Realtor.com reports that the median days on market for a home in Crofton, KY is 56. This is a decrease of -12.0% 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 27.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $372,000 | 9.0% |
Listing Count | 15 | 0.0% |
| Listings as % of Homes | 0.2% | 0.0% |
Days on Market | 56 | -12.0% |
Demographics — Crofton, KY
As of the latest ACS Survey released in 2023, Crofton, KY has a population of 3,740, which has increased by 14.9% over the past 5 years. Crofton, KY is a moderately popular place for families, as children make up 23.9% of the population. The area has a poorly educated workforce, with 17.4% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 3,740 | 14.9% |
% Under 18 | 23.9% | 1.3% |
% Seniors | 20.1% | 10.4% |
% WFH | 5.2% | 108.0% |
% w/ College Degree | 17.4% | 97.7% |
As of the latest ACS Survey released in 2023, Crofton, KY is a predominantly white area, with 89.5% of the population identifying as white. The white population has shrunk by 2.1% in the last 5 years. The second most common race or ethnicity in Crofton, KY is black, making up 4.0% of the population. Foreign-born residents account for 1.7% of the population in Crofton, KY, and this percentage has remained stable as of the ACS Survey 5 years prior, suggesting immigration has remained steady.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 89.5% | -2.1% |
% Black | 4.0% | 100.0% |
% Hispanic | 2.5% | -51.0% |
% Asian | 0.0% | N/A |
% Foreign Born | 1.7% | 0.0% |
Mortgage and Risk — Crofton, KY
According to HUD data as of 2023, there were 88 mortgage originations in Crofton, KY, of which 67.0% of loans were conventional mortgages. The average loan-to-value was 71.0%, with 34.0% above 90% LTV (very high). This implies large mortgage risk in Crofton, KY. Investor activity is low, as 6.0% 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 | 88 |
% Conventional Loans | 67.0% |
% Government Loans | 33.0% |
% Investor Loans | 6.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 11.0% |
Loan Activity
Rentals and Section 8 — Crofton, KY
Crofton, KY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 3 |
Total Units Section 8 | 3 |
% Rentals under Section 8 | 0.4% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $880 |
| 2 Bedroom | N/A | N/A | $1,130 |
| 3 Bedroom | N/A | N/A | $1,580 |
| 4 Bedroom | N/A | N/A | $1,910 |
Affordability — Crofton, KY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.3 |
| Median Home Price | $252,000 |
| Median Household Income | $60,700 |