Nancy, KY—42544
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Nancy, KY
As of Oct '25, the median home price in Nancy, KY is $139,000, with a year-over-year change of -1.1%. This indicates that home prices in Nancy, KY are decreasing. According to Zillow, the 1-year price projection is -2.4%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $139,000 | -1.1% |
| Single Family | $139,000 | -1.4% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $146,000 | 3.5% |
3 Bed | $221,000 | 5.2% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Nancy, KY
As of July '25, Rentcast reports the average rent in Nancy, KY is $1,230, with a year-over-year rent change of -12.1%. Per bedroom, the median rent as of July '25 in Nancy, KY is 2-bedrooms: $1,230. The most common rental property sizes in Nancy, KY are 3-bedroom and 2-bedroom, accounting for 51.9% and 30.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,350 | $1,230 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $1,350 | $1,230 |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Nancy, KY
As of Oct '25, Realtor.com reports that the median days on market for a home in Nancy, KY is 88. This is a increase of 38.0% 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 31.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $300,000 | 16.0% |
Listing Count | 58 | 45.0% |
| Listings as % of Homes | 0.8% | 45.0% |
Days on Market | 88 | 38.0% |
Demographics — Nancy, KY
As of the latest ACS Survey released in 2023, Nancy, KY has a population of 5,730, which has increased by 4.4% over the past 5 years. Nancy, KY is a moderately popular place for families, as children make up 18.4% of the population. The area has a poorly educated workforce, with 19.2% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.1% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 5,730 | 4.4% |
% Under 18 | 18.4% | -16.4% |
% Seniors | 25.9% | 32.1% |
% WFH | 5.1% | 628.6% |
% w/ College Degree | 19.2% | 82.9% |
As of the latest ACS Survey released in 2023, Nancy, KY is a predominantly white area, with 96.3% of the population identifying as white. The white population has shrunk by 1.9% in the last 5 years. The second most common race or ethnicity in Nancy, KY is asian, making up 1.5% of the population. Foreign-born residents account for 1.4% of the population in Nancy, KY, and this percentage has increased by 180.0% 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 | 96.3% | -1.9% |
% Black | 0.0% | -100.0% |
% Hispanic | 0.9% | ∞% |
% Asian | 1.5% | 650.0% |
% Foreign Born | 1.4% | 180.0% |
Mortgage and Risk — Nancy, KY
According to HUD data as of 2023, there were 68 mortgage originations in Nancy, KY, of which 66.0% of loans were conventional mortgages. The average loan-to-value was 76.0%, with 35.0% above 90% LTV (very high). This implies large mortgage risk in Nancy, KY. Investor activity is low, as 1.0% of loans were by investors. 10.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 68 |
% Conventional Loans | 66.0% |
% Government Loans | 34.0% |
% Investor Loans | 1.0% |
% Second Loans | 9.0% |
% Cash Out Refinance | 10.0% |
Loan Activity
Rentals and Section 8 — Nancy, KY
Nancy, KY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 21 |
Total Units Section 8 | 21 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 79.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $690 |
| 2 Bedroom | -$480 | $1,350 | $870 |
| 3 Bedroom | N/A | N/A | $1,080 |
| 4 Bedroom | N/A | N/A | $1,330 |
Affordability — Nancy, KY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.5 |
| Median Home Price | $139,000 |
| Median Household Income | $55,400 |