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Featured local agent — Fincastle, KY
Sarah Mitchell
Compass Real Estate · Fincastle, KY
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Fincastle, KY Housing Market
The last median sale price Redfin published was $294,500 (through May 2026). With homes going under contract in about 15 days, Fincastle is a balanced market. At today's 7.03% 30-year fixed rate, 20% down on a $294,500 home is about $1,572/mo in principal and interest.
Key numbers for Fincastle, KY
Median sale price
$294,500
Last published period
Redfin, through November 2025
Days on market
15
Fast-moving
Redfin, through November 2025
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$85,500
Home costs 3.4x income
U.S. Census ACS, 2023
Sale-to-list ratio
97.2%
Selling below asking
Redfin, through November 2025
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 Fincastle a buyer's or seller's market?
Fincastle, KY is a balanced market and homes selling in about 15 days. We classify markets from months of supply, sale-to-list ratio and days on market together — no single number decides it.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Fincastle housing market data show?
Every row below is Redfin's final published month for Fincastle, KY. Redfin, through November 2025
| Metric | Value |
|---|---|
| Median sale price | $294,500 |
| Median price per sq ft | $207/sq ft |
| Median days on market | 15 days |
| Sale-to-list price ratio | 97.2% |
| Homes sold (that month) | 3 |
| Market condition | Balanced 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 Fincastle is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Fincastle 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 Fincastle home prices moved?
Over the last three years the median sale price in Fincastle, KY rose 33.9%, from $220,000 to $294,500.
Redfin, through November 2025 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Fincastle?
Priced off the median sale price of $294,500 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% | $58,900 | $235,600 | $1,572/mo |
| 5% | $14,725 | $279,775 | $1,867/mo |
Redfin, through November 2025 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 $1,572, that implies roughly $67,380 a year before you add taxes and insurance. The median household in Fincastle earns $85,500, about $18,120 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 3.4x — close to the historical 3x norm, which is unusual in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Fincastle in the next 12 months?
Tell us your timeline. We send the Fincastle 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 Fincastle?
Zillow does not publish a rent index (ZORI) for Fincastle, 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 Fincastle?
Active listings in Fincastle, KY went from 3 in July 2023 to 1 in October 2025, a -66.7% 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 2023 | 1 | 1 |
| January 2024 | 3 | 3 |
| March 2024 | 2 | 2 |
| April 2024 | 1 | not published |
| September 2024 | 1 | 1 |
| December 2024 | 1 | not published |
| February 2025 | 2 | 2 |
| April 2025 | 4 | 2 |
| May 2025 | 4 | 2 |
| June 2025 | 1 | not published |
| August 2025 | 1 | not published |
| October 2025 | 1 | 2 |
Redfin, through October 2025
How does Fincastle compare to Kentucky and the U.S.?
Fincastle homes sell for $294,500 — 4% above the Kentucky median of $284,400. Against the national median of $410,700, Fincastle runs 28% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Fincastle, KY | $294,500 | not published | 15 days |
| Kentucky statewide | $284,400 | +2.3% | 45 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through November 2025 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Fincastle
What buyers should watch
- The gap between 5% and 20% down here is $295 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 $294,500 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 Fincastle listing goes under contract in 15 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 97.2% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- Comparable ZIP-level pricing inside Fincastle varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Fincastle
Explore homes currently listed for sale in Fincastle, Kentucky across major real estate platforms.
How much do homes cost in Fincastle by property type?
How the Fincastle, KY market breaks down across single-family homes, condos and townhouses. Redfin, through November 2025
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $294,500 | $207/sq ft | 3 | 15 days |
Who lives in Fincastle?
American Community Survey estimates for Fincastle. U.S. Census ACS, 2023
Population
606
Households
266
Median income
$85,500/yr
Median age
47.7 years
Owner-occupied
92.9%
Median home value
$253,300
Median gross rent
$1,542/mo
Mean commute
21.9 min
92.9% of occupied homes in Fincastle 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 Fincastle, KY?
Ordered by distance from Fincastle, not by size. Compare Fincastle side by side with any of them.
Fincastle housing market FAQ
Is Fincastle a buyer's or seller's market?
Fincastle, KY is currently a balanced market based on the supply, pace-of-sale and sale-to-list data we hold for this city. Redfin's public market tracker last published in May 2026, so this classification will not move until a new source fills that gap.
How much do homes cost in Fincastle?
The median sale price in the last month Redfin published was $294,500, about $207 per square foot.
Is Fincastle cheaper than the rest of Kentucky?
Fincastle's median sale price of $294,500 is 4% higher than the Kentucky statewide median of $284,400, and 28% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Fincastle?
Homes in Fincastle, KY spent a median of 15 days on market before going under contract, versus 45 days statewide. Under three weeks means well-priced listings move before most buyers can schedule a second showing. (Redfin, through May 2026.)
What income do you need to buy a home in Fincastle?
At the current 30-year fixed rate of 7.03%, 20% down on a $294,500 home is about $1,572 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $67,380 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $85,500.
Are home prices rising in Fincastle?
We do not hold a complete 12-month value series for Fincastle, 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 Fincastle?
Fincastle 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 Fincastle?
That depends on your timeline, not on a headline. What the data says today: Fincastle, KY is a balanced market, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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One email: what homes are actually clearing at around $294,500, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.