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  5. /Coldstream, Lexington, KY - 40508

Coldstream, Lexington, KY—40508

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$226,000
0.5% YoY Growth
Household Income
$28,000
11.3% YoY Growth
Days on Market
61
68.0% Longer YoY
Home Price Forecast
3.1%
Median Rent
$1,240
1.6% YoY Growth
1-Bed Rent
$875
14.0% YoY Growth
2-Bed Rent
$1,350
10.4% YoY Growth
3-Bed Rent
$1,400
11.7% YoY Growth
  • Home Price Trends
  • Rental Trends
  • Property Listings
  • Demographics
  • Mortgage and Risk

Home Price Trends — Coldstream, Lexington, KY

As of May '26, the median home price in Coldstream, Lexington, KY is $226,000, with a year-over-year change of 0.5%. This indicates that home prices in Coldstream, Lexington, KY are flat. According to Zillow, the 1-year price projection is 3.1%, suggesting an increase housing market in the next year.

Cost per Home Type

Home TypeMedian Home ValueYoY % Change
All Homes
$226,0000.5%
Single Family $210,000-0.9%
Condos $312,00013.0%

Cost per Home Size

Home SizeMedian Home ValueYoY % Change
1 Bed

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  • Affordability
  • Rentals and Section 8
    • $188,000
    6.2%
    2 Bed
    		$258,0007.5%
    3 Bed
    		$248,000-0.4%
    4 Bed
    		$311,000-0.3%
    5 Bed N/AN/A
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    % of Housing Stock

    Studio
    9.4%
    1 Bedroom
    28.8%
    2 Bedrooms
    25.6%
    3 Bedrooms
    23.4%
    4 Bedrooms
    10.6%
    5+ Bedrooms
    2.1%

    Rental Trends — Coldstream, Lexington, KY

    As of July '25, Rentcast reports the average rent in Coldstream, Lexington, KY is $1,280, with a year-over-year rent change of 1.6%. Per bedroom, the median rent as of July '25 in Coldstream, Lexington, KY is studios: $1,000, 1-bedrooms: $967, 2-bedrooms: $1,490, 3-bedrooms: $1,430, 4-bedrooms: $1,910. The most common rental property sizes in Coldstream, Lexington, KY are 1-bedroom and 2-bedroom, accounting for 38.2% and 28.4% of the rental stock.

    TypeMedian RentAverage Rent
    Average Rent$1,240$1,280
    Studio Rent $875$1,000
    1 Bed Rent $875$967
    2 Bed Rent $1,350$1,490
    3 Bed Rent $1,400$1,430
    4 Bed Rent $1,400$1,910
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    % of Rental Stock

    Studio
    10.8%
    1 Bedroom
    38.2%
    2 Bedrooms
    28.4%
    3 Bedrooms
    12.0%
    4 Bedrooms
    8.2%
    5+ Bedrooms
    2.4%

    Property Listings — Coldstream, Lexington, KY

    As of May '26, Realtor.com reports that the median days on market for a home in Coldstream, Lexington, KY is 61. This is a increase of 68.0% 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 24.0%, representing a small inventory and little supply pressure on home prices.

    MetricZip Code AverageYear over Year % Change
    Median Listing Price
    		$280,000-4.0%
    Listing Count
    		6828.0%
    Listings as % of Homes0.3%28.0%
    Days on Market
    		6168.0%
    Loading chart...

    Demographics — Coldstream, Lexington, KY

    As of the latest ACS Survey released in 2023, Coldstream, Lexington, KY has a population of 24,400, which has decreased by -7.6% over the past 5 years. Coldstream, Lexington, KY is a less popular place for families, as children make up 10.7% of the population. The area has a moderately educated workforce, with 35.8% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 9.2% reporting working from home.

    MetricLatest CensusYoY % Change
    Population
    		24,400-7.6%
    % Under 18
    		10.7%-17.7%
    % Seniors
    		9.1%40.0%
    % WFH
    		9.2%253.8%
    % w/ College Degree
    		35.8%18.2%
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    As of the latest ACS Survey released in 2023, Coldstream, Lexington, KY is a predominantly white area, with 60.2% of the population identifying as white. The white population has grown by 1.0% in the last 5 years. The second most common race or ethnicity in Coldstream, Lexington, KY is black, making up 22.7% of the population. Foreign-born residents account for 9.2% of the population in Coldstream, Lexington, KY, and this percentage has decreased by 7.1% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.

    Race and Ethnicity

    MetricLatest Census5-Year % Change
    % White
    		60.2%1.0%
    % Black
    		22.7%-15.0%
    % Hispanic
    		8.8%54.4%
    % Asian
    		2.7%-34.1%
    % Foreign Born
    		9.2%-7.1%
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    Mortgage and Risk — Coldstream, Lexington, KY

    According to HUD data as of 2023, there were 180 mortgage originations in Coldstream, Lexington, KY, of which 94.0% of loans were conventional mortgages. The average loan-to-value was 63.0%, with 20.0% above 90% LTV (very high). This implies large mortgage risk in Coldstream, Lexington, KY. Investor activity is low, as 15.0% of loans were by investors. 6.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.

    Mortgages

    MetricZip Code Average
    Total Loan Originations
    		180
    % Conventional Loans
    		94.0%
    % Government Loans
    		6.0%
    % Investor Loans
    		15.0%
    % Second Loans
    		6.0%
    % Cash Out Refinance
    		6.0%
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    Rentals and Section 8 — Coldstream, Lexington, KY

    As of 2024, the percent of homes in Coldstream, Lexington, KY under the Section 8 program is 12.1%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom and 3-bedroom and 4-bedroom units appear to be good home sizes to consider for Section 8 housing in Coldstream, Lexington, KY, because HUD payments exceed market rent, while 2-bedroom units do not.

    Section 8 Market Size

    Total Units under HUD
    		1,301
    Total Units Section 8
    		889
    % Rentals under Section 8
    		12.1%
    % Occupied Section 8
    		94.0%

    Section 8 Opportunity

    Home SizeHUD PremiumMarket RentMax HUD Rent
    1 Bedroom$25$875$900
    2 Bedroom-$280$1,350$1,070
    3 Bedroom$50$1,400$1,450
    4 Bedroom$240$1,400$1,640

    Affordability — Coldstream, Lexington, KY

    Home Price to Income Ratio

    MetricZip Code Average
    Home Price to Income Ratio6.4
    Median Home Price$226,000
    Median Household Income$28,000

    Coldstream, Lexington, KY — ZIP Code Boundary Map

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    Frequently Asked Questions