The story of this market
The typical home in Butler County, Kentucky sells for about $111,100, or $66 per square foot.
Prices are up +5.31% from a year ago, so sellers still have some momentum. Homes take about 112 days to sell, which is slow. Over the long run, values in this county have grown 39% since 2003. The biggest natural hazard here is hail, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $909 a month.
HUD sets the fair market rent for a 2-bedroom at $909 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Low.
Price climate
Every year of price change, 2003–2025
0%
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: 2005 (+20.4%). Worst: 2010 (-4.8%). 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
$1,190
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, 2003–2025
0%
2025 change
FHFA repeat-sales index, median of 1 census tracts in this county (2003 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
26
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $6,076,811.
Mortgage activity
Home lending in this county
73.2%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 369 | 187 | 73.2% | 11.8% | $125,000 |
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 Approval rate is approved ÷ decided (withdrawn and incomplete files excluded).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.
Butler County, Kentucky
Butler County's housing market remains stable with modest price appreciation and low inventory levels. The market is driven by local demand and limited new construction, keeping the area affordable compared to state averages.
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 diverges 37.3% from the nearest retained anchor (published ten-year series (2025)) — beyond the 12.5% tolerance; an automated validation case is open and the value publishes pending its verdict.
Select a city to expand its ZIP intel reports beneath · 2 cities · 5 ZIP reports
Median prices moved up 0.0% year over year.
Homes spend a median of 75 days on market with 0.0 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 0.28% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.2% · poverty 20.5% — a mixed stability profile.
Deterministic aggregate of 4 researched ZIP reports of 5 — 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.
Butler 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 4.0%/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 21
researched Sep 17
researched Sep 17
researched Sep 17
| 42206 | Auburn | $249,900 | $168 | +4.2% | 52 | 97.5% | 12% | 4.8 | 307 | $764 | researched Sep 21 |
| 42210 | Brownsville | $203,000 | $118 | +2.1% | 84 | 96.5% | 12% | 6.2 | 42 | $684 | researched Sep 17 |
| 42261 | Morgantown | $345,500 | $158 | 0% | 75 | — | — | — | 46 | $648 | researched Sep 17 |
| 42273 | Rochester | $145,000 | $112 | +3.5% | 88 | 96.5% | 8.3% | 6 | 12 | $943 | 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.
Public education is provided primarily through the Butler County School District, which serves the rural population of the county.
The county is subject to seasonal drought conditions and typical regional weather risks; property insurance markets remain stable but sensitive to national trends.
Economic momentum is driven by local agriculture, small business, and regional manufacturing, with the county seat of Morgantown serving as the primary commercial hub.
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 rental market is characterized by limited inventory and HUD-determined fair market rents, with a 2-bedroom unit averaging $866 per month.
The economy is anchored by agriculture, local government, and small-scale manufacturing, with ongoing efforts to support workforce development through state-backed programs.
The county relies on a network of state highways and rural roads for connectivity, with limited public transit infrastructure.
The Property Valuation Administrator is responsible for the annual assessment of all real property at fair cash value, ensuring compliance with state revenue standards.
The county is served by local utility and school districts, with specific oversight provided by the county government and state-level agencies.
Property insurance availability is consistent with rural Kentucky standards, with premiums influenced by regional weather patterns and hazard exposure.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
Provides significant recreational opportunities including fishing, boating, and scenic views that define the local landscape.
Features local architecture and serves as the cultural and administrative center of the county.
Data retrieved from Census Reporter and Data USA profiles.
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
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
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.