Columbia, KY 42728 - Home Prices, Rental Trends, Listings & Demographics | Prop:Metrics

Columbia, KY—42728

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value

$166,000

2.7% YoY Growth

Household Income

$49,100

21.7% YoY Growth

Days on Market

83

24.0% Longer YoY

Home Price Forecast

N/A

Median Rent

$1,250

3.8% YoY Growth

1-Bed Rent

N/A

2-Bed Rent

N/A

3-Bed Rent

$1,250

12.0% YoY Growth

Home Price Trends — Columbia, KY

Columbia, KY lacks sufficient home price data for analysis.

Cost per Home Type

Home Type	Median Home Value	YoY % Change
All Homes	$166,000	2.7%
Single Family	$166,000	0.6%
Condos	N/A	N/A

Cost per Home Size

Home Size	Median Home Value	YoY % Change
1 Bed	N/A	N/A

Rental Trends — Columbia, KY

As of July '25, Rentcast reports the average rent in Columbia, KY is $1,250, with a year-over-year rent change of -3.8%. Per bedroom, the median rent as of July '25 in Columbia, KY is 3-bedrooms: $1,250. The most common rental property sizes in Columbia, KY are 2-bedroom and 3-bedroom, accounting for 34.0% and 27.0% of the rental stock.

Type	Median Rent	Average Rent
Average Rent	$1,250	$1,250
Studio Rent	N/A	N/A
1 Bed Rent	N/A	N/A
2 Bed Rent	N/A	N/A
3 Bed Rent	$1,250	$1,250
4 Bed Rent	N/A	N/A

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% of Rental Stock

Studio

4.4%

1 Bedroom

18.5%

2 Bedrooms

34.0%

3 Bedrooms

27.0%

4 Bedrooms

12.2%

5+ Bedrooms

4.0%

Property Listings — Columbia, KY

As of Dec '25, Realtor.com reports that the median days on market for a home in Columbia, KY is 74. This is a increase of 25.0% 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 15.0%, representing a small inventory and little supply pressure on home prices.

Metric	Zip Code Average	Year over Year % Change
Median Listing Price	$240,000	14.0%
Listing Count	56	3.0%
Listings as % of Homes	0.5%	3.0%
Days on Market	83	24.0%

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Demographics — Columbia, KY

As of the latest ACS Survey released in 2023, Columbia, KY has a population of 16,100, which has decreased by -5.4% over the past 5 years. Columbia, KY is a moderately popular place for families, as children make up 18.6% of the population. The area has a poorly educated workforce, with 20.0% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 10.6% reporting working from home.

Metric	Latest Census	YoY % Change
Population	16,100	-5.4%
% Under 18	18.6%	-8.8%
% Seniors	19.7%	15.9%
% WFH	10.6%	96.3%
% w/ College Degree	20.0%	19.0%

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As of the latest ACS Survey released in 2023, Columbia, KY is a predominantly white area, with 90.1% of the population identifying as white. The white population has shrunk by 3.7% in the last 5 years. The second most common race or ethnicity in Columbia, KY is hispanic, making up 3.5% of the population. Foreign-born residents account for 3.8% of the population in Columbia, KY, and this percentage has increased by 171.4% 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	90.1%	-3.7%
% Black	2.1%	-43.2%
% Hispanic	3.5%	133.3%
% Asian	0.3%	-25.0%
% Foreign Born	3.8%	171.4%

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Mortgage and Risk — Columbia, KY

According to HUD data as of 2023, there were 132 mortgage originations in Columbia, KY, of which 61.0% of loans were conventional mortgages. The average loan-to-value was 71.0%, with 38.0% above 90% LTV (very high). This implies large mortgage risk in Columbia, KY. Investor activity is low, as 2.0% of loans were by investors. 8.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.

Mortgages

Metric	Zip Code Average
Total Loan Originations	132
% Conventional Loans	61.0%
% Government Loans	39.0%
% Investor Loans	2.0%
% Second Loans	3.0%
% Cash Out Refinance	8.0%

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Rentals and Section 8 — Columbia, KY

Columbia, KY lacks sufficient Section 8 program data for analysis.

Section 8 Market Size

Total Units under HUD	204
Total Units Section 8	171
% Rentals under Section 8	N/A
% Occupied Section 8	88.2%

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	$870
3 Bedroom	-$40	$1,250	$1,210
4 Bedroom	N/A	N/A	$1,300

Columbia, KY—42728

Key Metrics at a Glance

Home Price Trends — Columbia, KY

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Columbia, KY

% of Rental Stock

Property Listings — Columbia, KY

Demographics — Columbia, KY

Race and Ethnicity

Mortgage and Risk — Columbia, KY

Mortgages

Rentals and Section 8 — Columbia, KY

Section 8 Market Size

Section 8 Opportunity

Affordability — Columbia, KY

Home Price to Income Ratio

Columbia, KY — ZIP Code Boundary Map

Nearby ZIP Codes

Elk Horn, KY

Russell Springs, KY

Greensburg, KY

Campbellsville, KY

Edmonton, KY

Frequently Asked Questions

Metric	Zip Code Average
Home Price to Income Ratio	3.3
Median Home Price	$166,000
Median Household Income	$49,100

Columbia, KY—42728

Key Metrics at a Glance

Home Price Trends — Columbia, KY

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Columbia, KY

% of Rental Stock

Property Listings — Columbia, KY

Demographics — Columbia, KY

Race and Ethnicity

Mortgage and Risk — Columbia, KY

Mortgages

Rentals and Section 8 — Columbia, KY

Section 8 Market Size

Section 8 Opportunity

Affordability — Columbia, KY

Home Price to Income Ratio

Columbia, KY — ZIP Code Boundary Map

Nearby ZIP Codes

Elk Horn, KY

Russell Springs, KY

Greensburg, KY

Campbellsville, KY

Edmonton, KY

Frequently Asked Questions

What is the average home price in Columbia, KY 42728?

How have home prices in Columbia, KY 42728 changed over the past year?

What is the home price projection for Columbia, KY 42728?

What are the demographics of Columbia, KY 42728?

How long does it take homes to sell in Columbia, KY 42728?

What is the average rent price in Columbia, KY 42728?