McCracken County, Kentucky Housing Market
In McCracken County, Kentucky, the median home value is $188,100, with a median monthly rent of $898. This places McCracken County at #1541 nationally out of 3134 counties by median home value, and #33 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: $1,135
- Establishments: 2,806
- BLS QCEW, 2025
Housing Supply
- Single-family: 90
- Multi-family: 80
- U.S. Census Bureau, Building Permits Survey
Migration Patterns
- Inflow: 27,034 (avg $77,916)
- Outflow: 25,288 (avg $79,295)
- IRS Statistics of Income
📍 Sub-Market Activity
Top 2 active ZIP codes in McCracken County · Latest: 2025
| # | ZIP Code | HPI | YoY Change | Latest Year |
|---|---|---|---|---|
| 1 | 42086 | 226.9 | +7.00% | 2025 |
| 2 | 42001 | 225.6 | +4.26% | 2025 |
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.
💰 Ready to Finance a Purchase?
See the 2026 FHA and conforming loan limits for McCracken County, plus monthly payment estimates at today's mortgage rates.
View Mortgage Guide for McCracken County →How McCracken County Compares
| Metric | McCracken County | Kentucky Average | U.S. Average |
|---|---|---|---|
| Median Home Value | $188,100 | $160,835 | $227,706 |
| Median Gross Rent | $898 | $793 | $968 |
| Owner Occupancy Rate | 68.9% | 73.4% | 73.3% |
| Price/Rent Ratio | 17.5 | 16.6 | 18.7 |
Market Analysis
The median home value in McCracken County is 17.0% above the Kentucky state average and 17.4% below the U.S. national average. The median rent of $898/month is 13.2% above the state average.
With a price-to-rent ratio of 17.5, the buy-vs-rent decision in McCracken County is balanced. Whether buying or renting makes more sense depends on your time horizon, down payment capacity, and local market conditions.
McCracken County has an owner-occupancy rate of 68.9%, 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 |
|---|---|---|---|
| Perry County | Missouri | $188,200 | $923 |
| Jefferson County | New York | $188,200 | $1,213 |
| Mayes County | Oklahoma | $188,200 | $858 |
| Highlands County | Florida | $187,900 | $1,035 |
| Barry County | Missouri | $187,800 | $766 |
Other Counties in Kentucky
| County | Median Home Value | Median Rent | Owner Occ. |
|---|---|---|---|
| Lyon County | $189,500 | $747 | 80.4% |
| Allen County | $192,300 | $844 | 74.5% |
| Larue County | $183,500 | $860 | 79.4% |
| Calloway County | $183,200 | $870 | 63.9% |
| Washington County | $179,200 | $744 | 77.6% |
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).