The story of this market
The typical home in Wolfe County, Kentucky sells for about $281,000, or $362 per square foot.
Prices are down 1.33% from a year ago, which gives buyers more room to negotiate. Homes take about 76 days to sell, which is slow. 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 High.
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
$1,133
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.
Natural hazard exposure
The area's risk shape
84
Relatively High
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $3,840,876.
Mortgage activity
Home lending in this county
70.5%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 130 | 66 | 70.5% | 12.3% | $135,000 |
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 Approval rate is approved ÷ decided (withdrawn and incomplete files excluded).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.
Wolfe County, Kentucky
The Wolfe County housing market remains characterized by low transaction volume and high affordability relative to national averages. Economic distress and limited inventory continue to constrain market growth, with activity largely concentrated in tourism-adjacent properties.
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 23.0% from the nearest retained anchor (prior refresh cycle) — 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 · 1 city · 2 ZIP reports
Median prices moved down 6.1% year over year.
Homes spend a median of 120 days on market with 6.8 months of supply — a slower-moving market.
15% of listings have cut prices · homes sell at 96% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 7.8% · poverty 28.5% — a mixed stability profile.
Deterministic aggregate of 1 researched ZIP reports of 2 — 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.
Wolfe 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 6.3%/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
| 41301 | Campton | $130,385 | $155 | -6.1% | 120 | 96% | 15% | 6.8 | 81 | $525 | 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.
The county is served by the Wolfe County School District, which faces challenges typical of rural, distressed Appalachian districts.
The area is prone to flooding in low-lying regions and faces standard regional wildfire risks; insurance availability is generally stable but premiums are sensitive to regional weather events.
The county is classified as a distressed area by the Appalachian Regional Commission, with limited large-scale industrial development and a focus on small-scale tourism and agriculture.
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 county is a gateway to the Red River Gorge, offering extensive hiking, rock climbing, and outdoor recreation opportunities that drive local tourism.
The rental market is limited, with a significant portion of short-term rental activity driven by tourism near the Red River Gorge.
The economy is heavily reliant on tourism, agriculture, and small-scale retail, with the Appalachian Regional Commission classifying the county as distressed.
Transportation is primarily served by state highways; there is no significant public transit infrastructure.
The county property valuation administrator (PVA) conducts periodic assessments to determine fair cash value for tax purposes.
The county is served by local utility and school districts with no major special taxing districts reported.
Property insurance is available, though premiums are influenced by the rural nature of the county and regional climate risks.
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 world-renowned destination for rock climbing and hiking that serves as the primary economic and recreational anchor for the county.
Data retrieved from Census Bureau QuickFacts and ACS 5-year summary files.
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.
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.