Brokers — List your Company Here
Featured local agent — Rockholds, KY
Sarah Mitchell
Compass Real Estate · Rockholds, KY
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
This spot is open. Be the only brokerage featured on this page — one slot, no auction.
Claim this spot* Example only — dummy agent for illustration. Your logo, name, tagline, link, and lead routing replace this content.
Rockholds, KY Housing Market
The typical home in Rockholds, KY is worth $127,628, fell 12.7% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $188,000, +241.8% year over year (through May 2026). With homes going under contract in about 72 days, Rockholds is a buyer's market. At today's 7.03% 30-year fixed rate, 20% down on a $127,628 home is about $681/mo in principal and interest.
Key numbers for Rockholds, KY
Typical home value
$127,628
-12.7% in 12 months
Zillow, August 2026
Median sale price
$188,000
+241.8% year over year
Redfin, through June 2025
Days on market
72
Slow-moving
Redfin, through June 2025
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$28,158
Home costs 4.5x income
U.S. Census ACS, 2023
Sale-to-list ratio
94.0%
Selling below asking
Redfin, through June 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 Rockholds a buyer's or seller's market?
Rockholds, KY is a buyer's market and homes selling in about 72 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 Rockholds housing market data show?
Every row below is Redfin's final published month for Rockholds, KY. Redfin, through June 2025
| Metric | Value |
|---|---|
| Median sale price | $188,000 |
| Year-over-year price change | +241.8% |
| Median price per sq ft | $155/sq ft |
| Median days on market | 72 days |
| Sale-to-list price ratio | 94.0% |
| Homes sold (that month) | 1 |
| Market condition | Buyer'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 Rockholds is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Rockholds 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 Rockholds home prices moved?
Across the 12 months we hold for Rockholds, KY, the median sale price rose 1466.7%, from $12,000 in April 2021 to $188,000. The live Zillow value series has fell 12.7% in the last 12 months, which is the more current read now that Redfin's series has stopped.
Redfin, through June 2025 — the chart ends at Redfin's final published month.
Get Rockholds market alerts
Weekly updates on prices, inventory, and trends. Free forever.
What does it cost to buy a home in Rockholds?
Priced off the typical home value of $127,628 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% | $25,526 | $102,102 | $681/mo |
| 5% | $6,381 | $121,246 | $809/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 $681, that implies roughly $29,201 a year before you add taxes and insurance. The median household in Rockholds earns $28,158, about $1,043 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 4.5x — 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 Rockholds in the next 12 months?
Tell us your timeline. We send the Rockholds 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 Rockholds?
Zillow does not publish a rent index (ZORI) for Rockholds, 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 Rockholds?
Active listings in Rockholds, KY went from 2 in February 2023 to 2 in April 2024, a +0.0% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| February 2023 | 2 | 2 |
| June 2023 | 3 | not published |
| August 2023 | 2 | not published |
| October 2023 | 3 | 2 |
| February 2024 | 2 | not published |
| April 2024 | 2 | not published |
Redfin, through April 2024
How does Rockholds compare to Kentucky and the U.S.?
Rockholds homes sell for $188,000 — 34% below the Kentucky median of $284,400. Against the national median of $410,700, Rockholds runs 54% lower. Year-over-year, Rockholds moved +241.8% against Kentucky's +2.3% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Rockholds, KY | $188,000 | +241.8% | 72 days |
| Kentucky statewide | $284,400 | +2.3% | 45 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through June 2025 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Rockholds
What buyers should watch
- The gap between 5% and 20% down here is $128 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 $127,628 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 Rockholds listing goes under contract in 72 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 94.0% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- Your equity moved -12.7% 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 Rockholds varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Rockholds
Explore homes currently listed for sale in Rockholds, Kentucky across major real estate platforms.
How much do homes cost in Rockholds by property type?
How the Rockholds, KY market breaks down across single-family homes, condos and townhouses. Redfin, through June 2025
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $188,000 | $155/sq ft | 1 | 72 days |
Who lives in Rockholds?
American Community Survey estimates for Rockholds. U.S. Census ACS, 2023
Population
192
Households
114
Median income
$28,158/yr
Median age
46.7 years
Owner-occupied
48.2%
Median home value
$55,900
48.2% of occupied homes in Rockholds 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 $55,900 against Zillow's $127,628 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which public schools serve Rockholds?
1 schools tracked · 283 students
The largest public schools serving Rockholds, 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.
Whitley County North Elementary School
Grades PK-6 · 283 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 Rockholds, KY?
Ordered by distance from Rockholds, not by size. Compare Rockholds side by side with any of them.
Rockholds housing market FAQ
Is Rockholds a buyer's or seller's market?
Rockholds, KY is currently a buyer's 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 Rockholds?
The typical home in Rockholds, KY is worth $127,628 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $188,000, about $155 per square foot.
Is Rockholds cheaper than the rest of Kentucky?
Rockholds's median sale price of $188,000 is 34% lower than the Kentucky statewide median of $284,400, and 54% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Rockholds?
Homes in Rockholds, KY spent a median of 72 days on market before going under contract, versus 45 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Rockholds?
At the current 30-year fixed rate of 7.03%, 20% down on a $127,628 home is about $681 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $29,201 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $28,158.
Are home prices rising in Rockholds?
The typical home value in Rockholds, KY fell 12.7% over the last 12 months, from $146,234 to $127,628 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Rockholds?
Rockholds 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 Rockholds?
That depends on your timeline, not on a headline. What the data says today: Rockholds, KY is a buyer's market, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
Be the brokerage on this page
1 slot per pageGet featured on Rockholds, KY
Your logo, brokerage name, and direct link to your site — featured at the top of this page in front of every visitor researching this whole city. One brokerage, no rotation, no bidding war.
- Goes live in 24 hours
- Cancel anytime
- Do-follow backlink to your site
Keep researching Rockholds
Nearby markets
Get the Rockholds market brief
Get the Rockholds, KY market brief
One email: what homes are actually clearing at around $127,628, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.