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Montgomery County

CountyThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.Kentucky
$238K
Median sale priceThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.
178
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$230K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Aug 2026Counties take time to publish deeds, so the newest months can be incomplete and may shift as more records arrive.

Market Trends

Sale pricesThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.MedianSales
201720182026
Price per square footThe middle price per square foot, for sales where the size is known. It adjusts for homes being different sizes.$/ft²
201720182026
Sale premium vs estimated valueHow sale prices compare with our estimated values at the time of sale. Above the dashed line, homes sold for more than the models expected — a sign of competitive bidding. Below it, buyers paid under model value.Premium
201720182026
Annual turnover (share of homes sold)The share of all homes here that sold in the trailing 12 months. Higher turnover means a more liquid market where homes trade hands more often.Turnover
201720182026
Buyer mixWho is buying. Cash means no mortgage was recorded, investor means the buyer looked like an investor, and flip means the home resold within a year.CashInvestorFlip resale
201720182026
Financing (share of purchase price)For buyers who borrowed: the middle share of the price they financed, and the middle share they paid up front.Loan (LTV)Down payment
201720182026
Sellers who sold at a gainThe share of sellers each month who sold for more than they originally paid.Sold at gain
201720182026
Typical hold before sellingThe middle number of years sellers owned their home before selling.Median hold
201720182026
Median annualized return at resaleThe middle yearly gain sellers earned, spread across the years they owned the home. Only counts homes held at least a year.Annualized gain
201720182026
Preforeclosure filingsForeclosure notices filed each month. A rise can be an early sign that more owners are struggling. Auction stage counts the filings that reached a scheduled foreclosure auction.FilingsAuction stage
2016201720182020202320242025

Housing Stock

HomesHow many homes we have records for in this area.10,945
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$230K
Median sizeThe middle home size here, measured in square feet.1,448 ft²
Median bedroomsThe middle bedroom count for homes here.3
Median year builtThe middle build year for homes here. A recent year means most housing is newer.1999
Single familyThe share of homes here that are single-family houses.77%

Equity & Ownership

Equity rich (LTV ≤ 50%)The share of owners who owe half or less of what their home is worth, meaning they hold a lot of equity.76%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.1.6%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.69%
Company ownedThe share of homes owned by a company or trust instead of a person.18%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.35%
Typical ownership tenureHow long the typical owner here has held their home.20.2 yrs

CommunityThese are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.118
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.173
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.68

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.6%
PopulationHow many people live in this area.28,981
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.147 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$56K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$68K
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.46 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

Market metrics are derived from recorded arms-length deeds and refreshed nightly. Temperature blends price momentum, sales velocity, turnover and resale outcomes, ranked against all countys nationally.

How Montgomery County compares

By median home value, Montgomery County is the 22nd most expensive of 120 counties in Kentucky, and its typical home is worth more than 56% of all homes in Kentucky.

Home values in Montgomery County

Share of homes at each estimated value.

Median
$48K$556K
counties in Kentucky ranked by median home value
#KentuckyMedian valueHomes
1Oldham County$439K22,889
2Spencer County$333K6,455
3Boone County$328K45,751
4Scott County$321K21,614
5Fayette County$320K102,261
6Woodford County$317K9,582
7Jessamine County$305K19,534
8Shelby County$295K16,907
9Bullitt County$276K32,846
10Kenton County$273K56,151
11Campbell County$273K32,375
12Warren County$266K38,713
13Jefferson County$261K264,501
14Nelson County$259K20,939
15Madison County$257K28,675
16Marion County$239K7,392
17Clark County$238K13,681
18Simpson County$234K7,015
19Anderson County$233K10,917
20Grant County$231K10,329
21Pulaski County$231K30,072
22Montgomery County$230K10,945
23Hardin County$229K40,930
24Henry County$229K6,782

120 counties in Kentucky are ranked; the most valuable are listed here.

About the Montgomery County market

What is the median home price in Montgomery County, KY?

The median sale price in Montgomery County, KY is $237,500 (data through August 2026), based on deeds recorded with the county.

How many homes sell in Montgomery County, KY each year?

178 homes sold in Montgomery County, KY over the last 12 months (data through August 2026). TopHap counts recorded arm's-length deeds, not listings, so the figure is not affected by which brokerage handled the sale.

How many homes are there in Montgomery County, KY?

Montgomery County, KY contains 10,945 residential properties, with a median of 1,448 square feet, 3 bedrooms, built around 1999. The median TopHap Estimate is $230K.

How does Montgomery County, KY compare to the rest of Kentucky?

By median home value, Montgomery County, KY is the 22nd most expensive of 120 counties in Kentucky. Its typical home is worth more than 56% of all homes in Kentucky. Pulaski County ranks just above it and Hardin County just below. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Montgomery County, KY?

69% of homes in Montgomery County, KY are owner-occupied. 18% are held by a company rather than an individual.

How much equity do owners in Montgomery County, KY hold?

76% of mortgaged homes in Montgomery County, KY are equity-rich, meaning the loan balance is under half the home's value. 1.6% owe more than the home is worth.

Browse addresses

Every street and address TopHap holds is browsable by state, county and city. Browse Kentucky property records.

Explore Montgomery County on the map

See every recorded sale, price heat map, school zone and flood overlay across Montgomery County in TopHap’s interactive 3D map.

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A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
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