Horse Cave, KY 42749 - Home Prices, Rental Trends, Listings & Demographics | Prop:Metrics

Horse Cave, KY—42749

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value

$169,000

8.9% YoY Growth

Household Income

$46,200

25.8% YoY Growth

Days on Market

100

47.0% Longer YoY

Home Price Forecast

N/A

Median Rent

$975

5.4% YoY Growth

1-Bed Rent

$900

14.8% YoY Growth

2-Bed Rent

$975

7.6% YoY Growth

3-Bed Rent

$975

34.1% YoY Growth

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	$169,000	8.9%
Single Family	$169,000	9.0%
Condos	N/A	N/A

Cost per Home Size

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

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

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% of Rental Stock

1 Bedroom

15.2%

2 Bedrooms

41.5%

3 Bedrooms

30.5%

4 Bedrooms

7.1%

5+ Bedrooms

5.8%

Property Listings — Horse Cave, KY

As of Dec '25, Realtor.com reports that the median days on market for a home in Horse Cave, KY is 71. This is a increase of 1.0% from last year, suggesting that homes are sitting on the market about the same amount of time 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	$231,000	-11.0%
Listing Count	24	12.0%
Listings as % of Homes	0.8%	12.0%
Days on Market	100	47.0%

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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%

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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%

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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%

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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

Horse Cave, KY—42749

Key Metrics at a Glance

Home Price Trends — Horse Cave, KY

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Horse Cave, KY

% of Rental Stock

Property Listings — Horse Cave, KY

Demographics — Horse Cave, KY

Race and Ethnicity

Mortgage and Risk — Horse Cave, KY

Mortgages

Rentals and Section 8 — Horse Cave, KY

Section 8 Market Size

Section 8 Opportunity

Affordability — Horse Cave, KY

Home Price to Income Ratio

Horse Cave, KY — ZIP Code Boundary Map

Nearby ZIP Codes

Cave City, KY

Hardyville, KY

Park City, KY

Center, KY

Knob Lick, KY

Frequently Asked Questions

Metric	Zip Code Average
Home Price to Income Ratio	3.1
Median Home Price	$169,000
Median Household Income	$46,200

Horse Cave, KY—42749

Key Metrics at a Glance

Home Price Trends — Horse Cave, KY

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Horse Cave, KY

% of Rental Stock

Property Listings — Horse Cave, KY

Demographics — Horse Cave, KY

Race and Ethnicity

Mortgage and Risk — Horse Cave, KY

Mortgages

Rentals and Section 8 — Horse Cave, KY

Section 8 Market Size

Section 8 Opportunity

Affordability — Horse Cave, KY

Home Price to Income Ratio

Horse Cave, KY — ZIP Code Boundary Map

Nearby ZIP Codes

Cave City, KY

Hardyville, KY

Park City, KY

Center, KY

Knob Lick, KY

Frequently Asked Questions

What is the average home price in Horse Cave, KY 42749?

How have home prices in Horse Cave, KY 42749 changed over the past year?

What is the home price projection for Horse Cave, KY 42749?

What are the demographics of Horse Cave, KY 42749?

How long does it take homes to sell in Horse Cave, KY 42749?

What is the average rent price in Horse Cave, KY 42749?