The story of this market
The typical home in Clark County, Kentucky sells for about $278,000, or $158 per square foot.
Prices are roughly flat from a year ago (-1%), a market in balance. Homes take about 52 days to sell. Over the long run, values in this county have grown 144% since 2000. Last year 7 of 10 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is strong wind, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $1,416 a month.
HUD sets the fair market rent for a 2-bedroom at $1,416 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Low.
Price climate
Every year of price change, 2000–2025
+6.5%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+18.6%). Worst: 2010 (-2.7%). Hover to read a year.
Monthly price momentum
Home values since 2015
+4.3%
KY · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,948
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
+6.5%
2025 change
FHFA repeat-sales index, median of 10 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
46
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $13,632,186.
Mortgage activity
Home lending in this county
80.2%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 1685 | 960 | 80.2% | 11.9% | $170,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Clark County, Kentucky
The Clark County housing market is currently experiencing a period of stabilization with modest price fluctuations. Inventory levels remain tight, which continues to support current pricing despite a slight year-over-year decline in median sale prices. The market is largely driven by local demand and its role as a more affordable alternative to the neighboring Lexington metro area.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: median price corroborated by the published ten-year series (2025) (within 12.5%).
Select a city to expand its ZIP intel reports beneath · 1 city · 2 ZIP reports
Median prices moved up 12.4% year over year.
Homes spend a median of 45 days on market with 3.6 months of supply — a fast-moving market.
6% of listings have cut prices · homes sell at 98.2% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.8% · poverty 14.6% — a stable, low-distress profile.
Deterministic aggregate of 2 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Clark County, Kentucky — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 8.4%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 17
researched Sep 17
| 40391 | Winchester | $286,000 | $165 | +24.6% | 45 | 97.9% | — | 2.6 | 269 | $938 | researched Sep 17 |
| 40392 | Winchester | $244,000 | $145 | +1.2% | 45 | 98.5% | 12% | 4.5 | 216 | $1,250 | researched Sep 17 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Crime rates in Clark County remain generally stable, with property crime being the primary concern; the area typically reports lower violent crime rates compared to the more urbanized Lexington-Fayette metro core.
The county is served primarily by Clark County Public Schools, which maintains a focus on vocational and technical training alongside standard K-12 curricula; school performance is generally rated as average within the regional context.
The county faces moderate risks from seasonal flooding near the Kentucky River basin and occasional severe wind events; property insurance markets remain stable but are sensitive to regional weather-related loss trends.
Economic momentum is driven by manufacturing and logistics sectors, with proximity to the I-64 corridor facilitating access to the broader Lexington employment market; development is characterized by steady residential expansion.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Kentucky) — Kentucky Ad Valorem Property Tax: Property is assessed at its fair cash value (price at a fair voluntary sale). The tax is calculated by applying local and state tax rates to the assessed value.
The economy is anchored by manufacturing, healthcare, and retail trade, with a significant portion of the workforce commuting to the nearby Lexington-Fayette urban area.
The county is bisected by I-64 and the Mountain Parkway, providing critical east-west connectivity for commuters and freight transport.
The Clark County Property Valuation Administrator (PVA) conducts annual assessments to ensure property values reflect current market conditions in accordance with Kentucky state law.
Parcels are subject to various special districts including the Clark County School District, local fire protection districts, and regional utility service areas.
Property insurance premiums are influenced by regional weather patterns and the proximity to flood-prone areas along the Kentucky River.
- Malibu Jack's Lexington4.720.6 mi
- LexLive420.5 mi
- Sky Zone Trampoline Park4.522.1 mi
- Southland Lanes4.320.8 mi
- Battle Axes, LLC Lexington KY4.521.8 mi
- Kentucky Horse Park4.724.3 mi
- Rupp Arena4.620.5 mi
- Keeneland Association Inc4.825.9 mi
- Kroger Field4.720.2 mi
- Red Mile Gaming & Racing4.121.3 mi
- Raven Run Nature Sanctuary4.714.5 mi
- Regal Hamburg Pavilion4.415.7 mi
- Fort Boonesborough State Park4.57.9 mi
- Ashland - The Henry Clay Estate4.718.9 mi
- Woodland Park4.619.6 mi
- Fort Boonesborough State Park4.57.9 mi
- Otis A. Singletary Center for the Arts4.720.2 mi
- Mary Todd Lincoln House4.620.6 mi
- Ashland - The Henry Clay Estate4.718.9 mi
- Lexington Children’s Museum4.120.4 mi
- Raven Run Nature Sanctuary4.714.5 mi
- The Arboretum, State Botanical Garden of Kentucky4.820 mi
- Jacobson Park4.615.5 mi
- Fort Boonesborough State Park4.57.9 mi
- Ashland - The Henry Clay Estate4.718.9 mi
- Lake Reba Park4.616.5 mi
- Lakeside Golf Course4.215.8 mi
- Gibson Bay Golf Course4.416.8 mi
- Houston Oaks Golf Course4.416.8 mi
- Boone's Trace National Golf Club4.313.1 mi
- Meijer4.315.7 mi
- Dan Cummins Chevrolet Buick of Paris4.817.9 mi
- East Lexington Peddlers Mall4.217.5 mi
- Hamburg Pavilion4.415.5 mi
- Meijer4.318.5 mi
- Blue Grass Airport4.625.6 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
A significant protected area offering hiking trails and historical sites, highlighting the county's commitment to conservation.
Features well-preserved 19th-century architecture, local dining, and boutique shopping, serving as the cultural heart of the county.
The historic home of the iconic Kentucky soft drink, offering tours and a unique piece of local industrial heritage.
Data retrieved from US Census Bureau QuickFacts and Census Reporter.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Kentucky is a judicial foreclosure state, requiring a court action to enforce a mortgage or lien. The process involves a court-ordered sale, typically conducted by the master commissioner.
KRS Chapter 426
Property is assessed at its fair cash value (price at a fair voluntary sale). The tax is calculated by applying local and state tax rates to the assessed value. A homestead exemption is available for owners aged 65 or older or those who are totally disabled, which exempts a portion of the assessed value from taxation (the specific exemption amount is adjusted biennially based on the cost of living index).
Kentucky Constitution Section 170, 172; KRS 132.190
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.