Earlington, KY—42410
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Earlington, KY
As of Oct '25, the median home price in Earlington, KY is $47,000, with a year-over-year change of -8.4%. This indicates that home prices in Earlington, KY are decreasing. According to Zillow, the 1-year price projection is 1.3%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $47,000 | -8.4% |
| Single Family | $47,000 | -7.8% |
| 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 | N/A | N/A |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Earlington, KY
Earlington, 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 — Earlington, KY
As of Oct '25, Realtor.com reports that the median days on market for a home in Earlington, KY is 45. This is a increase of 9.0% 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 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $185,000 | 135.0% |
Listing Count | 5 | 71.0% |
| Listings as % of Homes | 1.0% | 71.0% |
Days on Market | 45 | 9.0% |
Demographics — Earlington, KY
As of the latest ACS Survey released in 2023, Earlington, KY has a population of 1,110, which has decreased by -24.0% over the past 5 years. Earlington, KY is a popular place for families, as children make up 27.6% of the population. The area has a poorly educated workforce, with 9.2% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 4.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 1,110 | -24.0% |
% Under 18 | 27.6% | 21.6% |
% Seniors | 11.5% | -17.3% |
% WFH | 4.6% | 557.1% |
% w/ College Degree | 9.2% | -17.9% |
As of the latest ACS Survey released in 2023, Earlington, KY is a predominantly white area, with 72.4% of the population identifying as white. The white population has shrunk by 5.1% in the last 5 years. The second most common race or ethnicity in Earlington, KY is black, making up 24.0% of the population. Foreign-born residents account for 1.9% of the population in Earlington, KY, and this percentage has increased by 137.5% 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 | 72.4% | -5.1% |
% Black | 24.0% | 57.9% |
% Hispanic | 1.0% | -72.2% |
% Asian | 1.5% | ∞% |
% Foreign Born | 1.9% | 137.5% |
Mortgage and Risk — Earlington, KY
According to HUD data as of 2023, there were 40 mortgage originations in Earlington, KY, of which 80.0% of loans were conventional mortgages. The average loan-to-value was 61.0%, with 25.0% above 90% LTV (very high). This implies large mortgage risk in Earlington, KY. Investor activity is low, as 0.0% of loans were by investors. 12.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 40 |
% Conventional Loans | 80.0% |
% Government Loans | 20.0% |
% Investor Loans | 0.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 12.0% |
Loan Activity
Rentals and Section 8 — Earlington, KY
Earlington, KY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 48 |
Total Units Section 8 | 48 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 77.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $690 |
| 2 Bedroom | N/A | N/A | $900 |
| 3 Bedroom | N/A | N/A | $1,150 |
| 4 Bedroom | N/A | N/A | $1,280 |
Affordability — Earlington, KY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 1.5 |
| Median Home Price | $47,000 |
| Median Household Income | $34,900 |