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Featured local agent — Coldstream, KY
Sarah Mitchell
Compass Real Estate · Coldstream, KY
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Coldstream, KY Housing Market
The last median sale price Redfin published was $335,000 (through May 2026). With 0.3 months of supply and homes going under contract in about 48 days, Coldstream is a strong seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $335,000 home is about $1,788/mo in principal and interest.
Key numbers for Coldstream, KY
Median sale price
$335,000
Last published period
Redfin, through May 2026
Days on market
48
Average pace
Redfin, through May 2026
Active listings
1
0.3 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$96,417
Home costs 3.5x income
U.S. Census ACS, 2023
Sale-to-list ratio
102.4%
Selling above asking
Redfin, through May 2026
Zillow figures refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Coldstream a buyer's or seller's market?
Coldstream, KY is a strong seller's market, based on 0.3 months of supply and homes selling in about 48 days. Under 2 months of supply is a severe shortage: expect competition on almost anything priced correctly, and little room to negotiate below asking.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Coldstream housing market data show?
Every row below is Redfin's final published month for Coldstream, KY. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $335,000 |
| Median list price | $249,900 |
| Median price per sq ft | $196/sq ft |
| Median days on market | 48 days |
| Active inventory | 1 listings |
| Months of supply | 0.3 months |
| Sale-to-list price ratio | 102.4% |
| Homes sold (that month) | 3 |
| New listings (that month) | 1 |
| Market condition | Strong seller's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Coldstream is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Coldstream is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Coldstream home prices moved?
Over the last three years the median sale price in Coldstream, KY rose 27.0%, from $263,750 to $335,000. For prices to fall meaningfully from here, supply would have to keep building past 0.3 months while the sale-to-list ratio slips below its current 102.4%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Coldstream?
Priced off the median sale price of $335,000 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $67,000 | $268,000 | $1,788/mo |
| 5% | $16,750 | $318,250 | $2,124/mo |
Redfin, through May 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $1,788, that implies roughly $76,646 a year before you add taxes and insurance. The median household in Coldstream earns $96,417, about $19,771 more than that threshold — the typical local household clears the payment on a typical local home with 20% down. That puts the price-to-income ratio at 3.5x — close to the historical 3x norm, which is unusual in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Coldstream in the next 12 months?
Tell us your timeline. We send the Coldstream market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Coldstream?
Zillow does not publish a rent index (ZORI) for Coldstream, KY, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Coldstream?
Active listings in Coldstream, KY went from 4 in September 2024 to 1 in May 2026, a -75.0% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| October 2024 | 4 | 3 |
| November 2024 | 2 | not published |
| December 2024 | 2 | 1 |
| January 2025 | 3 | 2 |
| February 2025 | 1 | 1 |
| March 2025 | 1 | 1 |
| October 2025 | 2 | 1 |
| December 2025 | 2 | 3 |
| January 2026 | 4 | 4 |
| February 2026 | 5 | 1 |
| April 2026 | 3 | not published |
| May 2026 | 1 | 1 |
Redfin, through May 2026
How does Coldstream compare to Kentucky and the U.S.?
Coldstream homes sell for $335,000 — 18% above the Kentucky median of $284,400. Against the national median of $410,700, Coldstream runs 18% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Coldstream, KY | $335,000 | not published | 48 days |
| Kentucky statewide | $284,400 | +2.3% | 45 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Coldstream
What buyers should watch
- Months of supply, currently 0.3. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The gap between 5% and 20% down here is $335 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $335,000 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Coldstream listing goes under contract in 48 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 102.4% of asking. Price at the number you want and let competition do the rest.
- In the last published month Coldstream added 1 new listings against 3 sales — more clearing than arriving, which is the better window to list.
- Comparable ZIP-level pricing inside Coldstream varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Coldstream
There are currently 1 homes listed for sale in Coldstream, Kentucky. The median listing price is $250K.
Active listings
1
Homes on market
Median list price
$250K
Avg. days on market
48
Days until sale
New this week
1
Newly listed
How much do homes cost in Coldstream by property type?
How the Coldstream, KY market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $335,000 | $196/sq ft | 3 | 48 days |
Who lives in Coldstream?
American Community Survey estimates for Coldstream. U.S. Census ACS, 2023
Population
1,269
Households
473
Median income
$96,417/yr
Median age
36.2 years
Owner-occupied
79.7%
Median home value
$260,300
Median gross rent
$2,121/mo
Mean commute
22.9 min
79.7% of occupied homes in Coldstream are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market.
Which cities are near Coldstream, KY?
Ordered by distance from Coldstream, not by size. Compare Coldstream side by side with any of them.
Coldstream housing market FAQ
Is Coldstream a buyer's or seller's market?
Coldstream, KY is currently a strong seller's market. That read comes from 0.3 months of supply, homes going under contract in about 48 days, and sellers getting 102.4% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Coldstream?
The median sale price in the last month Redfin published was $335,000, about $196 per square foot.
Is Coldstream cheaper than the rest of Kentucky?
Coldstream's median sale price of $335,000 is 18% higher than the Kentucky statewide median of $284,400, and 18% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Coldstream?
Homes in Coldstream, KY spent a median of 48 days on market before going under contract, versus 45 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in Coldstream?
At the current 30-year fixed rate of 7.03%, 20% down on a $335,000 home is about $1,788 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $76,646 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $96,417.
Are home prices rising in Coldstream?
We do not hold a complete 12-month value series for Coldstream, KY yet, so we are not going to call a direction. The price chart above shows every period we do have.
What are the cheapest ZIP codes in Coldstream?
Coldstream ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Coldstream?
That depends on your timeline, not on a headline. What the data says today: Coldstream, KY is a strong seller's market with 0.3 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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