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White Mills 42788

ZIP codeThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.Kentucky
$55K
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.
3
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$186K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Oct 2025 · Quarterly intervals (lower sales volume)Counties 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
20172018201920212022202320242025
Growth (year over year)How much prices and sales counts changed since the same time last year, using a 3-month average to smooth out noise. Above the dashed line means growth.PriceSales
20172018201920212022202320242025
Price per square footThe middle price per square foot, for sales where the size is known. It adjusts for homes being different sizes.$/ft²
20172018201920212022202320242025
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
20172018201920212022202320242025
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
20172018201920212022202320242025
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
20172018201920212022202320242025
Sellers who sold at a gainThe share of sellers each month who sold for more than they originally paid.Sold at gain
20172018201920212022202320242025
Typical hold before sellingThe middle number of years sellers owned their home before selling.Median hold
20172018201920212022202320242025
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
20172018201920212022202320242025

Housing Stock

HomesHow many homes we have records for in this area.125
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$186K
Median sizeThe middle home size here, measured in square feet.1,377 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.1974
Single familyThe share of homes here that are single-family houses.97%

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.62%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.6.6%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.73%
Company ownedThe share of homes owned by a company or trust instead of a person.6.4%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.26%
Typical ownership tenureHow long the typical owner here has held their home.13.3 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.124
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.49

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.86%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.8.6%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.301
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.35 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$65K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$69K
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.50 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 ZIP codes nationally.

How White Mills 42788 compares

By median home value, White Mills 42788 is the 8th most expensive of 10 ZIP codes in Hardin County, and its typical home is worth more than 34% of all homes in Hardin County.

Home values in White Mills 42788

Share of homes at each estimated value.

Median
$39K$406K
ZIP codes in Hardin County ranked by median home value
#Hardin CountyMedian valueHomes
1Rineyville 40162$260K2,672
2Elizabethtown 42701$257K20,211
3Glendale 42740$248K738
4Vine Grove 40175$219K5,190
5Radcliff 40160$212K8,050
6Cecilia 42724$209K2,123
7Sonora 42776$200K1,096
8White Mills 42788$186K125
9Eastview 42732$125K842
10West Point 40177$109K842

About the White Mills 42788 market

What is the median home price in White Mills 42788, KY?

The median sale price in White Mills 42788, KY is $55,000 (data through October 2025), based on deeds recorded with the county.

How many homes sell in White Mills 42788, KY each year?

3 homes sold in White Mills 42788, KY over the last 12 months (data through October 2025). 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 White Mills 42788, KY?

White Mills 42788, KY contains 125 residential properties, with a median of 1,377 square feet, 3 bedrooms, built around 1974. The median TopHap Estimate is $186K.

How does White Mills 42788, KY compare to the rest of Hardin County?

By median home value, White Mills 42788, KY is the 8th most expensive of 10 ZIP codes in Hardin County. Its typical home is worth more than 34% of all homes in Hardin County. Sonora 42776 ranks just above it and Eastview 42732 just below. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in White Mills 42788, KY?

73% of homes in White Mills 42788, KY are owner-occupied. 6% are held by a company rather than an individual.

How much equity do owners in White Mills 42788, KY hold?

62% of mortgaged homes in White Mills 42788, KY are equity-rich, meaning the loan balance is under half the home's value. 6.6% owe more than the home is worth.

Nearby markets

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