Housing Market Report
Whitley County, KY
Data through February 2026 · Updated monthly
Homes are selling quickly with few price cuts
Avg Home Value
$145,246
▼ 1.6% year-over-year
Days to Pending
--
Homes For Sale
85
Avg Rent/Month
$235
The Whitley County, KY housing market is showing signs of cooling. The average home value is $145,246, down 1.6% year-over-year as of February 2026. 0.2% of active listings have had a price cut.
There are currently 85 homes for sale in the county, with 9 new listings hitting the market each month.
The average asking rent in Whitley County is $235 per month. For investors, the gross rent multiplier on a median-priced home is approximately 51.5, suggesting this market favors appreciation over cash flow.
For homebuyers, the estimated monthly mortgage payment on a median-priced home in Whitley County with 10% down is $901. That is $666 more per month than the average rent, making renting the more affordable short-term option.
Bottom-tier homes (under the 33rd percentile) are currently valued at $82,608, making them the primary target range for investors looking at wholesale deals, fix-and-flip projects, or BRRRR strategies.
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Market Snapshot
Whitley County Housing Market at a Glance
Key metrics for Whitley County as of February 2026. Year-over-year changes show how the market has shifted in the last 12 months.
| Metric | Dec 2025 | Jan 2026 | Feb 2026 | 3-Mo Change |
|---|---|---|---|---|
| Avg Home Value | $145,347 | $144,928 | $145,246 | ▼ 0.1% |
| Single Family Value | $145,337 | $144,904 | $145,213 | ▼ 0.1% |
| Median List Price | $262,000 | $258,983 | $256,150 | ▼ 2.2% |
| Homes For Sale | 100 | 93 | 85 | ▼ 15.0% |
| New Listings | 18 | 12 | 9 | ▼ 50.0% |
| % Listings w/ Price Cut | 0.3% | 0.3% | 0.2% | ▼ 17.2% |
Home Values
Whitley County Home Value Trend (2000–2026)
All-home median values including the 2008 housing crash, 2020 COVID surge, and 2022 rate shock. Switch between All Homes, Single Family, Bottom Tier, Top Tier, and Rent to compare trends.
Source: Zillow Research ZHVI / ZORI · Updated monthly
Market Breakdown
What Homes Cost in Whitley County
Home values broken down by bedroom count, ZIP code neighborhood, and property type. 3-bedroom homes are valued at $182,695 in Whitley County. 1-bedroom units start at $79,226.
| Bedroom Count | Avg Value | Last 30 Days | Last Year |
|---|---|---|---|
| 1 Bedroom | $79,226 | ▲ 1.5% | ▼ 4.8% |
| 2 Bedrooms | $111,558 | ▲ 0.5% | ▼ 3.8% |
| 3 Bedrooms | $182,695 | ▲ 0.7% | ▲ 2.1% |
| 4 Bedrooms | $240,292 | ▲ 0.6% | ▲ 2.9% |
| 5+ Bedrooms | $287,573 | ▲ 0.5% | ▲ 3.3% |
The table above reflects average home values and rent in Whitley County, broken down by bedroom count, neighborhoods, and property types. Data sourced from Zillow Research.
Market Tiers
Buyer vs. Investor Segments
Bottom-tier homes (under 33rd percentile) are the primary target for wholesale investors using the 70% rule. In Whitley County, bottom-tier homes are valued at $82,608.
Bottom Tier
Under 33rd percentile
$82,608
▲ 6.8% YoY
Wholesale / investor range
Mid Tier
33rd-67th percentile
$145,246
▼ 1.6% YoY
Typical buyer range
Top Tier
Over 67th percentile
$244,759
Luxury / high-end
Market Activity
Supply, Demand and Pricing Power
How quickly homes are selling, how many are available, and whether sellers or buyers have the upper hand in Whitley County.
Homes For Sale
85
9 new/month
% Listings w/ Price Cut
0.2%
Median List Price
$256,150
Affordability
Monthly Cost to Own in Whitley County
Estimated mortgage payments on the median-priced home at current rates. Compare against the average rent of $235/month to evaluate buy vs. rent.
| Down Payment | Est. Monthly Payment |
|---|---|
| 5% down | $1,201/mo |
| 10% down | $1,151/mo |
| 20% down | $954/mo |
Avg rent in this market: $235/month · Mortgage estimates based on Zillow data at prevailing rates
Rental Market
Rent Trends in Whitley County
Zillow Observed Rent Index (ZORI) tracks typical asking rent, controlling for quality mix. At current prices, the price-to-rent ratio is 51.5x annual rent.
Avg Asking Rent
$235
Year-over-Year
--
Month-over-Month
--
Price-to-Rent Ratio
51.5x
Rent trend (ZORI)
Source: Zillow Research ZHVI / ZORI · Updated monthly
Metro Context
Whitley County vs. London
How Whitley County compares to the broader London metropolitan area.
| Metric | Whitley County | Metro Avg |
|---|---|---|
| Avg Home Value | $145,246 | $154,836 |
| Days to Pending | -- | -- |
| % Sold Below List | -- | 0.8% |
| Avg Rent/Month | $235 | $1,133 |
Nearby Markets
Other Counties in KY
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Frequently Asked Questions
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Data Sources and Methodology
Market data on this page comes from the Zillow Home Value Index (ZHVI) and Zillow Observed Rent Index (ZORI), updated monthly by Zillow Research. ZHVI measures the typical home value for a given region based on Zillow's proprietary automated valuation model, smoothed and seasonally adjusted to remove noise. ZORI measures the typical observed market-rate rent across the region, controlling for quality mix changes.
Sale price, inventory, days-on-market, and sale-to-list metrics are sourced from Zillow Research public data releases. All data is refreshed on the 17th of each month. This report was last updated February 2026.
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