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Area data

Water Valley, KY — ZIP 42085

Population: 914 (Census ACS)

The median home value in ZIP 42085 (Water Valley, KY) is $108,364 — down 0.9% over the past year. Homes sell for a median $125,000 after a median 43 days on market. FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Moderate, with icestorm, strongwind, coldwave the top-rated hazards. Cost of living is 11.5% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$108,364

Median home value

-0.9%

1-year change

43

Median days on market

Relatively Moderate

Hazard risk (county)

Home values & appreciation

Median home value
$108,364
1-year appreciation
-0.9%
3-year appreciation
+2.6%
5-year appreciation
+20.2%
10-year appreciation
+88.8%
All-time peak (2025-05)
$111,288
House Price Index (state)
396.0 (+2.4% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$125,000
Median list price
$138,250
Median price per sqft
$81
Median days on market
43 days
Homes sold (recent period)
1
Sale-to-list ratio
96.9%
Active listings
1
1-year forecast
+2.5%

Source: recent area sales and market data (ZIP-level)

Affordability

Cost of living index (Low)
88.5 (100 = US avg)
Electricity rate (state-level)
13.2¢/kWh
Natural gas rate (state-level)
$14.20/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively Moderate
Top hazards (county)
iceStorm, strongWind, coldWave, drought, earthquake
Notable hazard ratings (county)
coldWave: Relatively Moderate · drought: Relatively Moderate · earthquake: Relatively Moderate · hail: Relatively Low · heatWave: Relatively Low · iceStorm: Relatively High
Wildfire risk to homes (county)
Higher than 22% of US counties
Buildings in wildfire direct-exposure zone
73.7%
Radon potential (county)
Low radon potential — EPA Zone 3 of 3
EPA Superfund (NPL) sites within 5 mi
None
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
59.0°F
Average high
70.0°F
Average low
49.0°F
Annual precipitation
58.5 in
USDA plant hardiness zone
7b (extreme annual low 5 to 10°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Amenities

National parks within ~60 mi
1
Nearest national park
Fort Donelson National Battlefield (47 mi)
Airports within 30 mi
14
Nearest airport
Fulton Airport (9 mi)
Nearest major airport
Barkley Regional Airport (PAH) (34 mi)
Hospitals nearby (~15 mi)
1,090
Hospitals include
MIZELL MEMORIAL HOSPITAL, CRENSHAW COMMUNITY HOSPITAL, CRENSHAW COMMUNITY HOSPITAL
Avg hospital rating (CMS)
3.1 / 5
Best hospital rating nearby (CMS)
5.0 / 5
Solar radiation rating
Fair (4.3 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
-116 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,974
Housing built before 1970
40.8%
Housing built 2000 or later
14.4%
Median annual property tax
$727
Households with broadband internet
35.0%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
9,703
Average weekly wage
$944
Top industries (by employment)
Health Care, Accommodation & Food, Wholesale Trade
Annual residential building permits (county)
9

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 42085State medianUS median
Median home value$108,364$169,157$289,727
Median sale price$125,000$234,500$325,000
Median days on market43 days57 days51 days
Median annual property tax$727$921$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 42085?
$108,364.
What is the median sale price in ZIP 42085?
$125,000.
How long do homes take to sell in ZIP 42085?
Median days on market: 43 days.
What is the natural-hazard risk in ZIP 42085?
Overall risk: Relatively Moderate (FEMA NRI, county-level). Top hazards: iceStorm, strongWind, coldWave, drought, earthquake.
What is the wildfire risk in ZIP 42085?
Risk to homes is higher than 22% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 42085?
Low radon potential — EPA Zone 3 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 42085?
No current or proposed National Priorities List sites within 5 miles (EPA).
What is the cost of living in ZIP 42085?
Regional Price Parity: 88.5 (100 = US average) (Low) (BEA RPP, metro/state-level).

Nearby ZIP codes

Selling a home in Water Valley, KY?

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents