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Featured local agent — Owingsville, KY
Sarah Mitchell
Compass Real Estate · Owingsville, KY
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Owingsville, KY Housing Market
The typical home in Owingsville, KY is worth $191,408, rose 1.6% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $104,000, -35.0% year over year (through May 2026). With 1.0 months of supply and homes going under contract in about 60 days, Owingsville is a balanced market. At today's 7.03% 30-year fixed rate, 20% down on a $191,408 home is about $1,022/mo in principal and interest.
Key numbers for Owingsville, KY
Typical home value
$191,408
+1.6% in 12 months
Zillow, August 2026
Median sale price
$104,000
-35.0% year over year
Redfin, through November 2025
Days on market
60
Average pace
Redfin, through November 2025
Active listings
1
1.0 months of supply
Redfin, through November 2025
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$40,150
Home costs 4.8x income
U.S. Census ACS, 2023
Sale-to-list ratio
69.3%
Selling below asking
Redfin, through November 2025
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 Owingsville a buyer's or seller's market?
Owingsville, KY is a balanced market, based on 1.0 months of supply and homes selling in about 60 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 Owingsville housing market data show?
Every row below is Redfin's final published month for Owingsville, KY. Redfin, through November 2025
| Metric | Value |
|---|---|
| Median sale price | $104,000 |
| Year-over-year price change | -35.0% |
| Median price per sq ft | $79/sq ft |
| Median days on market | 60 days |
| Active inventory | 1 listings |
| Months of supply | 1.0 months |
| Sale-to-list price ratio | 69.3% |
| Homes sold (that month) | 1 |
| 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 Owingsville is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Owingsville 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 Owingsville home prices moved?
Over the last three years the median sale price in Owingsville, KY fell 13.1%, from $119,700 to $104,000. The live Zillow value series has rose 1.6% in the last 12 months, which is the more current read now that Redfin's series has stopped. For prices to fall meaningfully from here, supply would have to keep building past 1.0 months while the sale-to-list ratio slips below its current 69.3%. Watch those two together — they move before the median does.
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 Owingsville?
Priced off the typical home value of $191,408 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% | $38,282 | $153,127 | $1,022/mo |
| 5% | $9,570 | $181,838 | $1,213/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 $1,022, that implies roughly $43,793 a year before you add taxes and insurance. The median household in Owingsville earns $40,150, about $3,643 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 4.8x — 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 Owingsville in the next 12 months?
Tell us your timeline. We send the Owingsville 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 Owingsville?
Zillow does not publish a rent index (ZORI) for Owingsville, 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 Owingsville?
Active listings in Owingsville, KY went from 5 in May 2024 to 1 in November 2025, a -80.0% 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 |
|---|---|---|
| August 2024 | 7 | 4 |
| September 2024 | 7 | 1 |
| October 2024 | 7 | not published |
| November 2024 | 7 | 1 |
| January 2025 | 3 | not published |
| May 2025 | 5 | 2 |
| June 2025 | 6 | 2 |
| July 2025 | 5 | 2 |
| August 2025 | 4 | 2 |
| September 2025 | 5 | 2 |
| October 2025 | 2 | not published |
| November 2025 | 1 | not published |
Redfin, through November 2025
How does Owingsville compare to Kentucky and the U.S.?
Owingsville homes sell for $104,000 — 63% below the Kentucky median of $284,400. Against the national median of $410,700, Owingsville runs 75% lower. Year-over-year, Owingsville moved -35.0% against Kentucky's +2.3% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Owingsville, KY | $104,000 | -35.0% | 60 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 Owingsville
What buyers should watch
- Months of supply, currently 1.0. 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 $192 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 $191,408 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 Owingsville listing goes under contract in 60 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 69.3% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- Your equity moved +1.6% 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 Owingsville varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Owingsville
There are currently 1 homes listed for sale in Owingsville, Kentucky.
Active listings
1
Homes on market
Avg. days on market
60
Days until sale
How much do homes cost in Owingsville by property type?
How the Owingsville, 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 | $104,000 | $79/sq ft | 1 | 60 days |
| Townhouse | $134,500 | $152/sq ft | 1 | 26 days |
Who lives in Owingsville?
American Community Survey estimates for Owingsville. U.S. Census ACS, 2023
Population
1,977
Households
926
Median income
$40,150/yr
Median age
41.5 years
Owner-occupied
58.6%
Median home value
$92,700
Median gross rent
$529/mo
Mean commute
16.8 min
58.6% of occupied homes in Owingsville 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 $92,700 against Zillow's $191,408 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which public schools serve Owingsville?
5 schools tracked · 1,925 students
The largest public schools serving Owingsville, 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.
Bath County High School
Grades 9-12 · 608 students
Owingsville Elementary School
Grades PK-5 · 504 students
Crossroads Elementary School
Grades PK-5 · 405 students
Bath County Middle School
Grades 6-8 · 395 students
Second Chance Academy
Grades 6-12 · 13 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 Owingsville, KY?
Ordered by distance from Owingsville, not by size. Compare Owingsville side by side with any of them.
Owingsville housing market FAQ
Is Owingsville a buyer's or seller's market?
Owingsville, KY is currently a balanced market. That read comes from 1.0 months of supply, homes going under contract in about 60 days, and sellers getting 69.3% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Owingsville?
The typical home in Owingsville, KY is worth $191,408 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $104,000, about $79 per square foot.
Is Owingsville cheaper than the rest of Kentucky?
Owingsville's median sale price of $104,000 is 63% lower than the Kentucky statewide median of $284,400, and 75% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Owingsville?
Homes in Owingsville, KY spent a median of 60 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 Owingsville?
At the current 30-year fixed rate of 7.03%, 20% down on a $191,408 home is about $1,022 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $43,793 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $40,150.
Are home prices rising in Owingsville?
The typical home value in Owingsville, KY rose 1.6% over the last 12 months, from $188,447 to $191,408 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Owingsville?
Owingsville 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 Owingsville?
That depends on your timeline, not on a headline. What the data says today: Owingsville, KY is a balanced market with 1.0 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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