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  1. Home
  2. /Browse ZIP Codes
  3. /Kentucky
  4. /Mount Vernon, KY - 40456

Mount Vernon, KY—40456

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$154,000
11.7% YoY Growth
Household Income
$46,900
27.1% YoY Growth
Days on Market
57
23.0% Longer YoY
Home Price Forecast
N/A
Median 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

Other Zip Codes in Mount Vernon, KY

40460
  • Home Price Trends
  • Rental Trends
  • Property Listings
  • Demographics
  • Mortgage and Risk

Home Price Trends — Mount Vernon, KY

Mount Vernon, KY lacks sufficient home price data for analysis.

Cost per Home Type

Home TypeMedian Home ValueYoY % Change
All Homes
$154,000-11.7%
Single Family $154,000-11.5%
Condos N/AN/A

Cost per Home Size

Home SizeMedian Home ValueYoY % Change
1 Bed
N/AN/A
  • Affordability
  • Rentals and Section 8
    • 2 Bed
    $124,000
    -12.1%
    3 Bed
    		$189,000-3.1%
    4 Bed
    		$241,000-2.0%
    5 Bed N/AN/A
    Loading chart...

    % of Housing Stock

    Studio
    1.5%
    1 Bedroom
    6.5%
    2 Bedrooms
    23.8%
    3 Bedrooms
    52.9%
    4 Bedrooms
    12.2%
    5+ Bedrooms
    3.1%

    Rental Trends — Mount Vernon, KY

    Mount Vernon, KY lacks sufficient rental market data for analysis.

    TypeMedian RentAverage Rent
    Average RentN/AN/A
    Studio Rent N/AN/A
    1 Bed Rent N/AN/A
    2 Bed Rent N/AN/A
    3 Bed Rent N/AN/A
    4 Bed Rent N/AN/A
    Loading chart...

    % of Rental Stock

    Studio
    2.6%
    1 Bedroom
    14.1%
    2 Bedrooms
    45.4%
    3 Bedrooms
    36.2%
    4 Bedrooms
    1.4%
    5+ Bedrooms
    0.3%

    Property Listings — Mount Vernon, KY

    As of May '26, Realtor.com reports that the median days on market for a home in Mount Vernon, KY is 57. This is a increase of 23.0% 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 25.0%, representing a small inventory and little supply pressure on home prices.

    MetricZip Code AverageYear over Year % Change
    Median Listing Price
    		$258,00024.0%
    Listing Count
    		3265.0%
    Listings as % of Homes0.2%65.0%
    Days on Market
    		5723.0%
    Loading chart...

    Demographics — Mount Vernon, KY

    As of the latest ACS Survey released in 2023, Mount Vernon, KY has a population of 8,320, which has decreased by -15.5% over the past 5 years. Mount Vernon, KY is a moderately popular place for families, as children make up 19.7% of the population. The area has a poorly educated workforce, with 17.4% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 7.0% reporting working from home.

    MetricLatest CensusYoY % Change
    Population
    		8,320-15.5%
    % Under 18
    		19.7%-5.3%
    % Seniors
    		21.1%13.4%
    % WFH
    		7.0%233.3%
    % w/ College Degree
    		17.4%41.5%
    Loading chart...

    As of the latest ACS Survey released in 2023, Mount Vernon, KY is a predominantly white area, with 94.9% of the population identifying as white. The white population has shrunk by 1.7% in the last 5 years. The second most common race or ethnicity in Mount Vernon, KY is hispanic, making up 1.7% of the population. Foreign-born residents account for 0.6% of the population in Mount Vernon, KY, and this percentage has increased by 100.0% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.

    Race and Ethnicity

    MetricLatest Census5-Year % Change
    % White
    		94.9%-1.7%
    % Black
    		0.1%-66.7%
    % Hispanic
    		1.7%21.4%
    % Asian
    		0.6%∞%
    % Foreign Born
    		0.6%100.0%
    Loading chart...

    Mortgage and Risk — Mount Vernon, KY

    According to HUD data as of 2023, there were 139 mortgage originations in Mount Vernon, KY, of which 67.0% of loans were conventional mortgages. The average loan-to-value was 70.0%, with 35.0% above 90% LTV (very high). This implies large mortgage risk in Mount Vernon, KY. Investor activity is low, as 1.0% of loans were by investors. 11.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.

    Mortgages

    MetricZip Code Average
    Total Loan Originations
    		139
    % Conventional Loans
    		67.0%
    % Government Loans
    		33.0%
    % Investor Loans
    		1.0%
    % Second Loans
    		0.0%
    % Cash Out Refinance
    		11.0%
    Loading chart...
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    Rentals and Section 8 — Mount Vernon, KY

    Mount Vernon, KY lacks sufficient Section 8 program data for analysis.

    Section 8 Market Size

    Total Units under HUD
    		122
    Total Units Section 8
    		92
    % Rentals under Section 8
    		N/A
    % Occupied Section 8
    		93.0%

    Section 8 Opportunity

    Home SizeHUD PremiumMarket RentMax HUD Rent
    1 BedroomN/AN/A$720
    2 BedroomN/AN/A$870
    3 BedroomN/AN/A$1,160
    4 BedroomN/AN/A$1,220

    Affordability — Mount Vernon, KY

    Home Price to Income Ratio

    MetricZip Code Average
    Home Price to Income Ratio3.2
    Median Home Price$154,000
    Median Household Income$46,900

    Mount Vernon, KY — ZIP Code Boundary Map

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    Nearby ZIP Codes

    Mount Vernon, KY

    40460

    Brodhead, KY

    40409

    East Bernstadt, KY

    40445

    Crab Orchard, KY

    40419

    East Bernstadt, KY

    40729

    Frequently Asked Questions