Williamstown, KY—41097
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Williamstown, KY
As of Oct '25, the median home price in Williamstown, KY is $253,000, with a year-over-year change of 3.3%. This indicates that home prices in Williamstown, KY are increasing. According to Zillow, the 1-year price projection is 2.3%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $253,000 | 3.3% |
| Single Family | $253,000 | 2.8% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $208,000 | -1.9% |
3 Bed | $267,000 | 3.9% |
4 Bed | $365,000 | 4.0% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Williamstown, KY
Williamstown, KY lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $895 | $895 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $895 | $895 |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Williamstown, KY
As of Oct '25, Realtor.com reports that the median days on market for a home in Williamstown, KY is 46. This is a decrease of -5.0% 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 27.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $311,000 | -14.0% |
Listing Count | 37 | 55.0% |
| Listings as % of Homes | 0.5% | 55.0% |
Days on Market | 46 | -5.0% |
Demographics — Williamstown, KY
As of the latest ACS Survey released in 2023, Williamstown, KY has a population of 7,310, which has increased by 1.6% over the past 5 years. Williamstown, KY is a moderately popular place for families, as children make up 23.9% of the population. The area has a poorly educated workforce, with 18.3% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 9.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 7,310 | 1.6% |
% Under 18 | 23.9% | -4.0% |
% Seniors | 18.2% | 14.5% |
% WFH | 9.6% | 700.0% |
% w/ College Degree | 18.3% | 61.9% |
As of the latest ACS Survey released in 2023, Williamstown, KY is a predominantly white area, with 91.1% of the population identifying as white. The white population has shrunk by 5.3% in the last 5 years. The second most common race or ethnicity in Williamstown, KY is black, making up 0.3% of the population. Foreign-born residents account for 0.3% of the population in Williamstown, KY, and this percentage has remained stable as of the ACS Survey 5 years prior, suggesting immigration has remained steady.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 91.1% | -5.3% |
% Black | 0.3% | -70.0% |
% Hispanic | 0.1% | -85.7% |
% Asian | 0.1% | ∞% |
% Foreign Born | 0.3% | 0.0% |
Mortgage and Risk — Williamstown, KY
According to HUD data as of 2023, there were 164 mortgage originations in Williamstown, KY, of which 77.0% of loans were conventional mortgages. The average loan-to-value was 68.0%, with 29.0% above 90% LTV (very high). This implies large mortgage risk in Williamstown, KY. Investor activity is low, as 4.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 164 |
% Conventional Loans | 77.0% |
% Government Loans | 23.0% |
% Investor Loans | 4.0% |
% Second Loans | 7.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Williamstown, KY
Williamstown, KY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 61 |
Total Units Section 8 | 31 |
% Rentals under Section 8 | 6.1% |
% Occupied Section 8 | 69.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $830 |
| 2 Bedroom | $185 | $895 | $1,080 |
| 3 Bedroom | N/A | N/A | $1,430 |
| 4 Bedroom | N/A | N/A | $1,590 |
Affordability — Williamstown, KY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.1 |
| Median Home Price | $253,000 |
| Median Household Income | $70,100 |