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Featured local agent — Summersville, KY
Sarah Mitchell
Compass Real Estate · Summersville, KY
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Summersville, KY Housing Market
The typical home in Summersville, KY is worth $210,879, held roughly flat 0.2% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $149,000, +35.4% year over year (through May 2026). With 1.0 months of supply and homes going under contract in about 37 days, Summersville is a seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $210,879 home is about $1,126/mo in principal and interest.
Key numbers for Summersville, KY
Typical home value
$210,879
-0.2% in 12 months
Zillow, August 2026
Median sale price
$149,000
+35.4% year over year
Redfin, through March 2026
Days on market
37
Average pace
Redfin, through March 2026
Active listings
1
1.0 months of supply
Redfin, through March 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$51,696
Home costs 4.1x income
U.S. Census ACS, 2023
Sale-to-list ratio
99.7%
Selling below asking
Redfin, through March 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 Summersville a buyer's or seller's market?
Summersville, KY is a seller's market, based on 1.0 months of supply and homes selling in about 37 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 Summersville housing market data show?
Every row below is Redfin's final published month for Summersville, KY. Redfin, through March 2026
| Metric | Value |
|---|---|
| Median sale price | $149,000 |
| Median list price | $305,000 |
| Year-over-year price change | +35.4% |
| Median price per sq ft | $163/sq ft |
| Median days on market | 37 days |
| Active inventory | 1 listings |
| Months of supply | 1.0 months |
| Sale-to-list price ratio | 99.7% |
| Homes sold (that month) | 1 |
| New listings (that month) | 1 |
| 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 Summersville is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Summersville 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 Summersville home prices moved?
Across the 17 months we hold for Summersville, KY, the median sale price rose 204.1%, from $49,000 in July 2021 to $149,000. The live Zillow value series has held roughly flat 0.2% 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 99.7%. Watch those two together — they move before the median does.
Redfin, through March 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Summersville?
Priced off the typical home value of $210,879 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% | $42,176 | $168,703 | $1,126/mo |
| 5% | $10,544 | $200,335 | $1,337/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 $1,126, that implies roughly $48,248 a year before you add taxes and insurance. The median household in Summersville earns $51,696, about $3,448 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 4.1x — 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 Summersville in the next 12 months?
Tell us your timeline. We send the Summersville 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 Summersville?
Zillow does not publish a rent index (ZORI) for Summersville, 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 Summersville?
Active listings in Summersville, KY went from 1 in July 2021 to 1 in March 2026, 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 |
|---|---|---|
| July 2021 | 1 | not published |
| April 2022 | 1 | not published |
| August 2023 | 2 | 1 |
| January 2025 | 3 | not published |
| March 2025 | 2 | 1 |
| June 2025 | 2 | not published |
| July 2025 | 1 | not published |
| November 2025 | 1 | not published |
| January 2026 | 1 | 1 |
| March 2026 | 1 | 1 |
Redfin, through March 2026
How does Summersville compare to Kentucky and the U.S.?
Summersville homes sell for $149,000 — 48% below the Kentucky median of $284,400. Against the national median of $410,700, Summersville runs 64% lower. Year-over-year, Summersville moved +35.4% against Kentucky's +2.3% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Summersville, KY | $149,000 | +35.4% | 37 days |
| Kentucky statewide | $284,400 | +2.3% | 45 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through March 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Summersville
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 $211 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 $210,879 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 Summersville listing goes under contract in 37 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 99.7% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Summersville added 1 new listings against 1 sales — more clearing than arriving, which is the better window to list.
- Your equity moved -0.2% 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 Summersville varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Summersville
There are currently 1 homes listed for sale in Summersville, Kentucky. The median listing price is $305K.
Active listings
1
Homes on market
Median list price
$305K
Avg. days on market
37
Days until sale
New this week
1
Newly listed
How much do homes cost in Summersville by property type?
How the Summersville, KY market breaks down across single-family homes, condos and townhouses. Redfin, through March 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $149,000 | $163/sq ft | 1 | 37 days |
Who lives in Summersville?
American Community Survey estimates for Summersville. U.S. Census ACS, 2023
Population
360
Households
137
Median income
$51,696/yr
Median age
24 years
Owner-occupied
66.4%
Median home value
$92,500
Mean commute
14.8 min
66.4% of occupied homes in Summersville 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 $92,500 against Zillow's $210,879 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which cities are near Summersville, KY?
Ordered by distance from Summersville, not by size. Compare Summersville side by side with any of them.
Summersville housing market FAQ
Is Summersville a buyer's or seller's market?
Summersville, KY is currently a seller's market. That read comes from 1.0 months of supply, homes going under contract in about 37 days, and sellers getting 99.7% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Summersville?
The typical home in Summersville, KY is worth $210,879 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $149,000, about $163 per square foot.
Is Summersville cheaper than the rest of Kentucky?
Summersville's median sale price of $149,000 is 48% lower than the Kentucky statewide median of $284,400, and 64% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Summersville?
Homes in Summersville, KY spent a median of 37 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 Summersville?
At the current 30-year fixed rate of 7.03%, 20% down on a $210,879 home is about $1,126 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $48,248 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $51,696.
Are home prices rising in Summersville?
The typical home value in Summersville, KY held roughly flat 0.2% over the last 12 months, from $211,204 to $210,879 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Summersville?
Summersville 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 Summersville?
That depends on your timeline, not on a headline. What the data says today: Summersville, KY is a seller's 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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