6
$85,000
1012/1018 W 2nd St
Owensboro, KY 42301
3 bd1 ba
House
DAUGHERTY - PHELPS TEAM · Triple Crown Realty Group
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Owensboro, KY Housing Market
Seller's market+2.9% YoY
Zillow, August 2026 · Refreshes monthlyRedfin, through May 2026 · No longer updatingFreddie Mac via FRED, September 2026 · Refreshes weekly
The typical home in Owensboro, KY is worth $214,021, rose 2.9% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $205,000, +7.9% year over year (through May 2026). With 1.6 months of supply and homes going under contract in about 27 days, Owensboro is a seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $214,021 home is about $1,143/mo in principal and interest.
Key numbers for Owensboro, KY
Typical home value
$214,021
+2.9% in 12 months
Zillow, August 2026
Typical asking rent
$1,212/mo
Zillow Observed Rent Index
Zillow, August 2026
Median sale price
$205,000
+7.9% year over year
Redfin, through May 2026
Days on market
27
Average pace
Redfin, through May 2026
Active listings
120
1.6 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
$53,295
Home costs 4.0x income
U.S. Census ACS, 2023
Sale-to-list ratio
97.9%
Selling below asking
Redfin, through May 2026
Zillow figures are as of August 2026 and 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 Owensboro a buyer's or seller's market?
Seller's market1.6 months of supply27 days on market97.9% of asking
Owensboro, KY is a seller's market, based on 1.6 months of supply and homes selling in about 27 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 Owensboro housing market data show?
Every row below is Redfin's final published month for Owensboro, KY. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $205,000 |
| Median list price | $239,900 |
| Year-over-year price change | +7.9% |
| Median price per sq ft | $156/sq ft |
| Median days on market | 27 days |
| Active inventory | 120 listings |
| Months of supply | 1.6 months |
| Sale-to-list price ratio | 97.9% |
| Homes sold (that month) | 77 |
| New listings (that month) | 84 |
| Listings with a price cut | 54.2% |
| Market condition | 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 Owensboro is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Owensboro 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 Owensboro home prices moved?
Over the last three years the median sale price in Owensboro, KY rose 7.9%, from $190,000 to $205,000. The live Zillow value series has rose 2.9% in the last 12 months, which is the more current read now that Redfin's series has stopped. 54.2% of Owensboro listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 1.6 months while the sale-to-list ratio slips below its current 97.9%. 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 Owensboro?
Priced off the typical home value of $214,021 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% | $42,804 | $171,217 | $1,143/mo |
| 5% | $10,701 | $203,320 | $1,357/mo |
Zillow, August 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 $1,143, that implies roughly $48,967 a year before you add taxes and insurance. The median household in Owensboro earns $53,295, about $4,328 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 4.0x — above the historical 3x norm but in line with much of the country in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Owensboro in the next 12 months?
Tell us your timeline. We send the Owensboro 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 Owensboro?
Typical asking rent in Owensboro, KY is $1,212/mo, against a typical home value of $214,021. That is a price-to-rent ratio of 14.7x, which means buying tends to beat renting on monthly cost over a typical hold. Compared head to head, 20% down puts principal and interest at $1,143 a month — $70 less than renting before taxes and insurance, so ownership can win on monthly cost alone once you have the down payment.
Zillow, August 2026 for both value and rent
Add your own down payment, tax rate and time horizon in the rent vs. buy calculator.
Is inventory rising or falling in Owensboro?
Active listings in Owensboro, KY went from 109 in May 2025 to 120 in May 2026, a +10.1% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 116 | 81 |
| July 2025 | 98 | 78 |
| August 2025 | 99 | 84 |
| September 2025 | 111 | 87 |
| October 2025 | 135 | 103 |
| November 2025 | 149 | 86 |
| December 2025 | 133 | 60 |
| January 2026 | 147 | 73 |
| February 2026 | 124 | 61 |
| March 2026 | 138 | 86 |
| April 2026 | 137 | 91 |
| May 2026 | 120 | 84 |
Redfin, through May 2026
How does Owensboro compare to Kentucky and the U.S.?
Owensboro homes sell for $205,000 — 28% below the Kentucky median of $284,400. Against the national median of $410,700, Owensboro runs 50% lower. Year-over-year, Owensboro moved +7.9% against Kentucky's +2.3% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Owensboro, KY | $205,000 | +7.9% | 27 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 Owensboro
What buyers should watch
- Months of supply, currently 1.6. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 54.2%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $214 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 $214,021 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 Owensboro listing goes under contract in 27 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 97.9% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Owensboro added 84 new listings against 77 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved +2.9% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Owensboro varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Owensboro
There are currently 120 homes listed for sale in Owensboro, Kentucky. The median listing price is $240K. Featured listings range from $85,000 to $579,000.
New Listing
25
$139,900
521 Jeff Pl
Owensboro, KY 42301
2 bd1 ba672 sqft$208/ft²
House4,792 sqft lot
THE HARRIS GROUP · Keller Williams Elite
View photos & details
New Listing
26
$177,900
2504 Elder Dr
Owensboro, KY 42301
3 bd2 ba1,206 sqft$148/ft²
House
THE HARRIS GROUP · Keller Williams Elite
View photos & details
New Listing
32
$189,900
496 Newman Stillhouse Rd
Owensboro, KY 42301
3 bd2 ba1,792 sqft$106/ft²
Mobile home2.43 acres
THE HARRIS GROUP · Keller Williams Elite
View photos & details
36
$239,900
1210 Avondale Rd
Owensboro, KY 42303
3 bd2 ba2,012 sqft$119/ft²
House
Leah Christian · Supreme Dream Realty, LLC
View photos & details
32
$250,000
2615 Old Hartford Rd
Owensboro, KY 42303
4 bd3 ba2,249 sqft$111/ft²
House16,640 sqft lot
Johnna Tharp · BHG Realty
View photos & details
New Listing
53
$379,900
3881 Brookfield Dr
Owensboro, KY 42303
3 bd2 ba2,000 sqft$190/ft²
House10,890 sqft lot
Jennifer Staser · Epic Realty
View photos & details
New Listing
36
$389,900
2865 Glencrest Dr
Owensboro, KY 42303
3 bd2 ba2,207 sqft$177/ft²
House22,869 sqft lot
DAUGHERTY - PHELPS TEAM · Triple Crown Realty Group
View photos & details
New Listing
61
$434,500
2334 Ford Ave
Owensboro, KY 42301
4 bd3 ba2,453 sqft$177/ft²
House6,011 sqft lot
L. Steve Castlen · L. Steve Castlen, REALTORS(R)
View photos & details
New Listing
53
$439,000
1925 Celebration Cir
Owensboro, KY 42303
3 bd2 ba1,940 sqft$226/ft²
House10,846 sqft lot
Jason Bellamy · BHG Realty
View photos & details
New Listing
48
$499,900
5425 Newbolt Rd
Owensboro, KY 42303
3 bd2 ba3,473 sqft$144/ft²
House5.36 acres
Natalie McCaslin · REAL BROKER, LLC
View photos & details
New Listing
48
$579,000
4950 Ridge Creek Rd
Owensboro, KY 42303
4 bd3 ba3,123 sqft$185/ft²
House30,492 sqft lot
April Rose · Epic Realty
View photos & details
Looking to buy in Owensboro?
Get connected with a local real estate expert — free, no obligation.
Active listings
120
Homes on market
Median list price
$240K
Avg. days on market
27
Days until sale
New this week
84
Newly listed
Price drops:54.2%of listings
Sale-to-list:97.9%
How much do homes cost in Owensboro by property type?
How the Owensboro, 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 | $200,000 | $155/sq ft | 75 | 25 days |
| Townhouse | $290,000 | $165/sq ft | 1 | 77 days |
Who lives in Owensboro?
American Community Survey estimates for Owensboro. U.S. Census ACS, 2023
Population
60,112
Households
25,181
Median income
$53,295/yr
Median age
37.7 years
Owner-occupied
55.8%
Median home value
$162,900
Median gross rent
$900/mo
Mean commute
17.9 min
55.8% of occupied homes in Owensboro 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. The Census self-reported median home value is $162,900 against Zillow's $214,021 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions. Census median gross rent (all leases, including long-held ones) is $900/mo, below Zillow's $1,212/mo asking rent on new leases — the difference is roughly what a mover pays over a stayer.
Which public schools serve Owensboro?
35 schools tracked · 15,126 students
The largest public schools serving Owensboro, KY by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Daviess County High School
Grades 9-12 · 1,694 students
Apollo High School
Grades 9-12 · 1,350 students
Owensboro High School
Grades 9-12 · 1,329 students
Daviess County Middle School
Grades 6-8 · 841 students
College View Middle School
Grades 6-8 · 789 students
Owensboro Middle School
Grades 6-8 · 786 students
F T Burns Middle School
Grades 6-8 · 756 students
Newton Parrish Elementary School
Grades K-5 · 547 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Owensboro, KY?
Ordered by distance from Owensboro, not by size. Compare Owensboro side by side with any of them.
Which ZIP codes are in Owensboro?
These are the ZIP codes we see on active Owensboro listings. Redfin did not publish a matching ZIP-level sale row for the same period, so we are not ranking them by price here — each ZIP page shows exactly what we hold for it.
Owensboro housing market FAQ
Is Owensboro a buyer's or seller's market?
Owensboro, KY is currently a seller's market. That read comes from 1.6 months of supply, homes going under contract in about 27 days, and sellers getting 97.9% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Owensboro?
The typical home in Owensboro, KY is worth $214,021 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $205,000, about $156 per square foot.
Is Owensboro cheaper than the rest of Kentucky?
Owensboro's median sale price of $205,000 is 28% lower than the Kentucky statewide median of $284,400, and 50% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Owensboro?
Homes in Owensboro, KY spent a median of 27 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 Owensboro?
At the current 30-year fixed rate of 7.03%, 20% down on a $214,021 home is about $1,143 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $48,967 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $53,295.
Are home prices rising in Owensboro?
The typical home value in Owensboro, KY rose 2.9% over the last 12 months, from $207,888 to $214,021 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Owensboro?
Owensboro 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 Owensboro?
That depends on your timeline, not on a headline. What the data says today: Owensboro, KY is a seller's market with 1.6 months of supply, the 30-year fixed rate is 7.03%, and the price-to-rent ratio of 14.7x means buying tends to beat renting on monthly cost over a typical hold. Properties Incorporated publishes the data; it does not give financial advice.
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