Horse Cave, KY—42749
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Horse Cave, KY
Horse Cave, KY lacks sufficient home price data for analysis.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $167,000 | 9.2% |
| Single Family | $167,000 | 9.2% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $126,000 | 6.8% |
3 Bed | $183,000 | 9.6% |
4 Bed | $260,000 | 10.2% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Horse Cave, KY
As of July '25, Rentcast reports the average rent in Horse Cave, KY is $941, with a year-over-year rent change of 5.4%. Per bedroom, the median rent as of July '25 in Horse Cave, KY is studios: $862, 1-bedrooms: $805, 2-bedrooms: $958, 3-bedrooms: $1,140. The most common rental property sizes in Horse Cave, KY are 2-bedroom and 3-bedroom, accounting for 41.5% and 30.5% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $975 | $941 |
| Studio Rent | $750 | $862 |
| 1 Bed Rent | $900 | $805 |
| 2 Bed Rent | $975 | $958 |
| 3 Bed Rent | $975 | $1,140 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Horse Cave, KY
As of Oct '25, Realtor.com reports that the median days on market for a home in Horse Cave, KY is 43. This is a decrease of -16.0% 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 24.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $217,000 | -17.0% |
Listing Count | 25 | 20.0% |
| Listings as % of Homes | 0.8% | 20.0% |
Days on Market | 43 | -16.0% |
Demographics — Horse Cave, KY
As of the latest ACS Survey released in 2023, Horse Cave, KY has a population of 4,840, which has decreased by -9.6% over the past 5 years. Horse Cave, KY is a less popular place for families, as children make up 14.9% of the population. The area has a poorly educated workforce, with 13.1% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,840 | -9.6% |
% Under 18 | 14.9% | -44.0% |
% Seniors | 18.7% | 14.0% |
% WFH | 5.4% | 390.9% |
% w/ College Degree | 13.1% | 12.9% |
As of the latest ACS Survey released in 2023, Horse Cave, KY is a predominantly white area, with 79.1% of the population identifying as white. The white population has shrunk by 6.9% in the last 5 years. The second most common race or ethnicity in Horse Cave, KY is black, making up 14.5% of the population. Foreign-born residents account for 1.2% of the population in Horse Cave, KY, and this percentage has decreased by 29.4% 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 | 79.1% | -6.9% |
% Black | 14.5% | 81.2% |
% Hispanic | 2.0% | -20.0% |
% Asian | 0.4% | -63.6% |
% Foreign Born | 1.2% | -29.4% |
Mortgage and Risk — Horse Cave, KY
According to HUD data as of 2023, there were 98 mortgage originations in Horse Cave, KY, of which 74.0% of loans were conventional mortgages. The average loan-to-value was 59.0%, with 31.0% above 90% LTV (very high). This implies large mortgage risk in Horse Cave, KY. Investor activity is low, as 3.0% of loans were by investors. 7.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 98 |
% Conventional Loans | 74.0% |
% Government Loans | 26.0% |
% Investor Loans | 3.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 7.0% |
Loan Activity
Rentals and Section 8 — Horse Cave, KY
Horse Cave, KY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 134 |
Total Units Section 8 | 58 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 91.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$200 | $900 | $700 |
| 2 Bedroom | -$75 | $975 | $900 |
| 3 Bedroom | $145 | $975 | $1,120 |
| 4 Bedroom | N/A | N/A | $1,200 |
Affordability — Horse Cave, KY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.1 |
| Median Home Price | $167,000 |
| Median Household Income | $46,200 |