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Area data

Owensboro, KY — ZIP 42303

Population: 42,119 (Census ACS)

The median home value in ZIP 42303 (Owensboro, KY) is $219,888 — up 3.0% over the past year. Homes sell for a median $184,950 after a median 72.5 days on market. Typical rent runs $953/month. 12 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Moderate, with icestorm, strongwind, winterweather 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

$219,888

Median home value

+3.0%

1-year change

72.5

Median days on market

Relatively Moderate

Hazard risk (county)

Home values & appreciation

Median home value
$219,888
1-year appreciation
+3.0%
3-year appreciation
+12.1%
5-year appreciation
+31.2%
10-year appreciation
+84.6%
All-time peak (2026-07)
$219,888
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
$184,950
Median list price
$239,900
Median price per sqft
$98
Median days on market
72.5 days
Homes sold (recent period)
2
For-sale inventory
169
Sale-to-list ratio
93.2%
1-year forecast
+2.1%
Days to pending
45 days
New listings (monthly)
56

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

Rents

Typical rent
$953/mo
Studio fair-market rent
$701/mo
1BR fair-market rent
$876/mo
2BR fair-market rent
$1,089/mo
3BR fair-market rent
$1,416/mo
4BR fair-market rent
$1,634/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

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)

Schools

Total schools
12
Elementary schools
7
Middle schools
2
High schools
2
School districts serving the area
Daviess County, Owensboro Independent
Schools include
Daviess County High School, Daviess County Middle School, Highland Elementary School, Deer Park Elementary School, Owensboro Day Treatment

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively Moderate
Top hazards (county)
iceStorm, strongWind, winterWeather, coldWave, drought
Notable hazard ratings (county)
coldWave: Relatively Moderate · drought: Relatively Moderate · earthquake: Relatively Moderate · hail: Relatively Moderate · heatWave: Relatively Moderate · iceStorm: Very High
FEMA flood zone
AE
Flood risk level
High
Wildfire risk to homes (county)
Higher than 14% of US counties
Buildings in wildfire direct-exposure zone
42.6%
Radon potential (county)
Moderate radon potential — EPA Zone 2 of 3
EPA Superfund (NPL) sites within 5 mi
None
Nearest Superfund site
Green River Disposal, Inc. (9.8 mi)
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
60.0°F
Average high
69.0°F
Average low
50.0°F
Annual precipitation
40.3 in
Annual snowfall
5.6 in
USDA plant hardiness zone
7a (extreme annual low 0 to 5°F)

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

Air quality

Air quality rating
Moderate
Median AQI (annual)
51
Days with Good air quality
99
Days with Moderate air quality
110
Days with Unhealthy air quality
1
Highest AQI recorded (year)
170

Source: EPA air quality data (nearest monitoring station, annual)

Walkability & transit

Walkability index
8.0 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
20,688
Jobs reachable by transit (45 min)
17,387

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

National parks within ~60 mi
1
Nearest national park
Lincoln Boyhood National Memorial (25 mi)
Airports within 30 mi
20
Nearest airport
Owensboro Daviess County Airport (OWB) (7 mi)
Nearest major airport
Owensboro Daviess County Airport (OWB) (7 mi)
Hospitals nearby (~15 mi)
1
Hospitals include
OWENSBORO HEALTH REGIONAL HOSPITAL
Avg hospital rating (CMS)
2.0 / 5
Best hospital rating nearby (CMS)
2.0 / 5
Solar radiation rating
Fair (4.2 kWh/m²/day)

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

Migration

Net migration (county)
+25 tax filers

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

Housing stock

Median year housing built
1,977
Housing built before 1970
38.8%
Housing built 2000 or later
23.2%
Median annual property tax
$1,723
Mean commute to work
17 min
Households with broadband internet
77.3%

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

Employment & development

Total county employment
40,811
Average weekly wage
$1,020
Top industries (by employment)
Health Care, Accommodation & Food, Administrative Services
Annual residential building permits (county)
198

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

How it compares

ZIP 42303State medianUS median
Median home value$219,888$169,157$289,727
Median sale price$184,950$234,500$325,000
Median days on market73 days57 days51 days
Typical rent$953/mo$1,378/mo$1,808/mo
Median annual property tax$1,723$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 42303?
$219,888.
What is the median sale price in ZIP 42303?
$184,950.
How long do homes take to sell in ZIP 42303?
Median days on market: 72.5 days.
What is typical rent in ZIP 42303?
Typical rent: $953/month.
What is the natural-hazard risk in ZIP 42303?
Overall risk: Relatively Moderate (FEMA NRI, county-level). Top hazards: iceStorm, strongWind, winterWeather, coldWave, drought.
Is ZIP 42303 in a flood zone?
High (FEMA NFIP). FEMA flood zone AE.
What is the wildfire risk in ZIP 42303?
Risk to homes is higher than 14% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 42303?
Moderate radon potential — EPA Zone 2 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 42303?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve ZIP 42303?
12 schools (7 elementary, 2 middle, 2 high) (NCES, 2022-23).
Is ZIP 42303 walkable?
Walkability index: 8.0/20 (EPA Smart Location Database).
What is the air quality in ZIP 42303?
Moderate. Median AQI: 51. (EPA AQI).
What is the cost of living in ZIP 42303?
Regional Price Parity: 88.5 (100 = US average) (Low) (BEA RPP, metro/state-level).

Nearby ZIP codes

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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