Brokers — List your Company Here
Featured local agent — Summer Shade, KY
Sarah Mitchell
Compass Real Estate · Summer Shade, 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.
Summer Shade, KY Housing Market
The typical home in Summer Shade, KY is worth $195,701, fell 2.6% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $275,000 (through May 2026). With 1.0 months of supply and homes going under contract in about 65 days, Summer Shade is a balanced market. At today's 7.03% 30-year fixed rate, 20% down on a $195,701 home is about $1,045/mo in principal and interest.
Key numbers for Summer Shade, KY
Typical home value
$195,701
-2.6% in 12 months
Zillow, August 2026
Median sale price
$275,000
Last published period
Redfin, through April 2026
Days on market
65
Slow-moving
Redfin, through April 2026
Active listings
1
1.0 months of supply
Redfin, through April 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Sale-to-list ratio
95.2%
Selling below asking
Redfin, through April 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 Summer Shade a buyer's or seller's market?
Summer Shade, KY is a balanced market, based on 1.0 months of supply and homes selling in about 65 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 Summer Shade housing market data show?
Every row below is Redfin's final published month for Summer Shade, KY. Redfin, through April 2026
| Metric | Value |
|---|---|
| Median sale price | $275,000 |
| Median list price | $204,900 |
| Median price per sq ft | $187/sq ft |
| Median days on market | 65 days |
| Active inventory | 1 listings |
| Months of supply | 1.0 months |
| Sale-to-list price ratio | 95.2% |
| Homes sold (that month) | 1 |
| New listings (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 Summer Shade is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Summer Shade 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 Summer Shade home prices moved?
Across the 10 months we hold for Summer Shade, KY, the median sale price rose 27.9%, from $215,000 in June 2022 to $275,000. The live Zillow value series has fell 2.6% 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 95.2%. Watch those two together — they move before the median does.
Redfin, through April 2026 — the chart ends at Redfin's final published month.
Get Summer Shade market alerts
Weekly updates on prices, inventory, and trends. Free forever.
What does it cost to buy a home in Summer Shade?
Priced off the typical home value of $195,701 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% | $39,140 | $156,561 | $1,045/mo |
| 5% | $9,785 | $185,916 | $1,241/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 $1,045, that implies roughly $44,775 a year before you add taxes and insurance. We do not hold a Census income figure for Summer Shade, so we cannot compare that threshold to local earnings.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Summer Shade in the next 12 months?
Tell us your timeline. We send the Summer Shade 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 Summer Shade?
Zillow does not publish a rent index (ZORI) for Summer Shade, 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 Summer Shade?
Active listings in Summer Shade, KY went from 2 in June 2022 to 1 in April 2026, a -50.0% 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 |
|---|---|---|
| June 2022 | 2 | not published |
| September 2024 | 2 | 1 |
| January 2025 | 1 | not published |
| March 2025 | 1 | 1 |
| October 2025 | 2 | not published |
| November 2025 | 1 | not published |
| April 2026 | 1 | 1 |
Redfin, through April 2026
How does Summer Shade compare to Kentucky and the U.S.?
Summer Shade homes sell for $275,000 — 3% below the Kentucky median of $284,400. Against the national median of $410,700, Summer Shade runs 33% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Summer Shade, KY | $275,000 | not published | 65 days |
| Kentucky statewide | $284,400 | +2.3% | 45 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through April 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Summer Shade
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 $196 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 $195,701 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 Summer Shade listing goes under contract in 65 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 95.2% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Summer Shade added 1 new listings against 1 sales — more clearing than arriving, which is the better window to list.
- Your equity moved -2.6% 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 Summer Shade varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Summer Shade
There are currently 1 homes listed for sale in Summer Shade, Kentucky. The median listing price is $205K.
Active listings
1
Homes on market
Median list price
$205K
Avg. days on market
65
Days until sale
New this week
1
Newly listed
How much do homes cost in Summer Shade by property type?
How the Summer Shade, KY market breaks down across single-family homes, condos and townhouses. Redfin, through April 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $275,000 | $187/sq ft | 1 | 65 days |
Who lives in Summer Shade?
American Community Survey estimates for Summer Shade. U.S. Census ACS, 2023
Population
295
Households
150
Median age
31.6 years
Owner-occupied
73.3%
73.3% of occupied homes in Summer Shade 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 Summer Shade, KY?
Ordered by distance from Summer Shade, not by size. Compare Summer Shade side by side with any of them.
Summer Shade housing market FAQ
Is Summer Shade a buyer's or seller's market?
Summer Shade, KY is currently a balanced market. That read comes from 1.0 months of supply, homes going under contract in about 65 days, and sellers getting 95.2% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Summer Shade?
The typical home in Summer Shade, KY is worth $195,701 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $275,000, about $187 per square foot.
Is Summer Shade cheaper than the rest of Kentucky?
Summer Shade's median sale price of $275,000 is 3% lower than the Kentucky statewide median of $284,400, and 33% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Summer Shade?
Homes in Summer Shade, KY spent a median of 65 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 Summer Shade?
At the current 30-year fixed rate of 7.03%, 20% down on a $195,701 home is about $1,045 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $44,775 a year before taxes, insurance, HOA dues or mortgage insurance.
Are home prices rising in Summer Shade?
The typical home value in Summer Shade, KY fell 2.6% over the last 12 months, from $200,905 to $195,701 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Summer Shade?
Summer Shade 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 Summer Shade?
That depends on your timeline, not on a headline. What the data says today: Summer Shade, 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.
Be the brokerage on this page
1 slot per pageGet featured on Summer Shade, 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 Summer Shade
Nearby markets
Get the Summer Shade market brief
Get the Summer Shade, KY market brief
One email: what homes are actually clearing at around $195,701, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.