Caldwell County, Kentucky Housing Market
In Caldwell County, Kentucky, the median home value is $118,500, with a median monthly rent of $767. This places Caldwell County at #2663 nationally out of 3134 counties by median home value, and #93 within Kentucky.
📈 Price Trend (2017 → 2024)
📊 Recent Market Momentum (FHFA HPI)
FHFA House Price Index — All-Transactions, Annual (2000 = 100) · Latest: 2025
📍 Economic Snapshot
Employment & Wages
- Avg weekly wage: $854
- Establishments: 328
- BLS QCEW, 2025
Migration Patterns
- Inflow: 4,794 (avg $56,831)
- Outflow: 4,534 (avg $57,594)
- IRS Statistics of Income
📍 Sub-Market Activity
Top 5 active ZIP codes in Caldwell County · Latest: 2025
| # | ZIP Code | HPI | YoY Change | Latest Year |
|---|---|---|---|---|
| 1 | 42064 | 239.2 | -12.64% | 2025 |
| 2 | 42445 | 259.3 | -0.64% | 2025 |
| 3 | 42038 | 269.3 | +4.25% | 2025 |
| 4 | 42211 | 243.3 | +2.78% | 2025 |
| 5 | 42408 | 279.8 | — | 2024 |
Source: FHFA HPI for Five-Digit ZIP Codes (All-Transactions Index, 2000 = 100).
This product uses FHFA Data but is neither endorsed nor certified by FHFA.
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💰 Mortgage Guide → 🧾 Property Tax Data →How Caldwell County Compares
| Metric | Caldwell County | Kentucky Average | U.S. Average |
|---|---|---|---|
| Median Home Value | $118,500 | $160,835 | $227,706 |
| Median Gross Rent | $767 | $793 | $968 |
| Owner Occupancy Rate | 70.2% | 73.4% | 73.3% |
| Price/Rent Ratio | 12.9 | 16.6 | 18.7 |
Market Analysis
The median home value in Caldwell County is 26.3% below the Kentucky state average and 48.0% below the U.S. national average. The median rent of $767/month is 3.3% below the state average.
With a price-to-rent ratio of 12.9, buying a home in Caldwell County is generally more favorable than renting for those planning to stay long-term. A ratio below 15 typically signals that purchasing is financially advantageous over a multi-year horizon.
Caldwell County has an owner-occupancy rate of 70.2%, compared to 73.4% in Kentucky and 73.3% nationally. This indicates a more renter-heavy market than the U.S. average.
Similar Counties by Home Value
| County | State | Median Home Value | Median Rent |
|---|---|---|---|
| Terrell County | Georgia | $118,400 | $745 |
| Gove County | Kansas | $118,400 | $705 |
| Washita County | Oklahoma | $118,400 | $815 |
| Wise County | Virginia | $118,600 | $790 |
| Jeff Davis County | Georgia | $118,300 | $650 |
Other Counties in Kentucky
| County | Median Home Value | Median Rent | Owner Occ. |
|---|---|---|---|
| Knox County | $118,700 | $681 | 65.3% |
| Morgan County | $118,200 | $663 | 78.9% |
| Estill County | $119,500 | $711 | 70.4% |
| Johnson County | $120,200 | $708 | 68.3% |
| Carlisle County | $120,400 | $792 | 80.4% |
Data Source: U.S. Census Bureau, American Community Survey (ACS) 2024 5-Year Estimates (2017–2024). Variables: B25077 (Median Home Value), B25064 (Median Gross Rent), B25003 (Tenure). Data collected on 2026-10-14. The price-to-rent ratio is calculated as Median Home Value ÷ (Median Monthly Rent × 12).