Area data
Stephensburg, KY — ZIP 42724
Population: 5,345 (Census ACS)
The median home value in ZIP 42724 (Stephensburg, KY) is $234,075 — down 5.5% over the past year. Homes sell for a median $270,000 after a median 94 days on market. 4 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Low, with icestorm, lightning, strongwind the top-rated hazards. Cost of living is 11.5% below the US average (BEA, metro/state-level).
$234,075
Median home value
-5.5%
1-year change
94
Median days on market
Relatively Low
Hazard risk (county)
Home values & appreciation
- Median home value
- $234,075
- 1-year appreciation
- -5.5%
- 3-year appreciation
- -1.2%
- 5-year appreciation
- +12.5%
- 10-year appreciation
- +80.1%
- All-time peak (2025-05)
- $248,805
- 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
- $270,000
- Median list price
- $285,000
- Median price per sqft
- $166
- 1-year sale-price change
- -9.1%
- Median days on market
- 94 days
- Homes sold (recent period)
- 9
- For-sale inventory
- 22
- Sale-to-list ratio
- 96.2%
- Active listings
- 7
- 1-year forecast
- +0.4%
- New listings (monthly)
- 5
Source: recent area sales and market data (ZIP-level)
Rents
- 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
- 4
- Elementary schools
- 2
- Middle schools
- 1
- High schools
- 1
- Schools include
- Cecilia Valley Elementary School, West Hardin Middle School, Central Hardin High School, Lakewood Elementary School
Source: NCES school directory, 2022-23 (school-address-based)
Natural hazards & flood risk
- Overall hazard risk (county)
- Relatively Low
- Top hazards (county)
- iceStorm, lightning, strongWind, coldWave, hail
- Notable hazard ratings (county)
- coldWave: Relatively Moderate · earthquake: Relatively Low · hail: Relatively Moderate · heatWave: Relatively Low · iceStorm: Relatively High · inlandFlooding: Relatively Moderate
- FEMA flood zone
- X
- Flood risk level
- Minimal
- Wildfire risk to homes (county)
- Higher than 18% of US counties
- Buildings in wildfire direct-exposure zone
- 72.1%
- Radon potential (county)
- Moderate radon potential — EPA Zone 2 of 3
- EPA Superfund (NPL) sites within 5 mi
- None
- Nearest Superfund site
- Distler Brickyard (22.6 mi)
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
- 55.0°F
- Average high
- 67.0°F
- Average low
- 43.0°F
- Annual precipitation
- 54.8 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
- Good
- Median AQI (annual)
- 45
- Days with Good air quality
- 225
- Days with Moderate air quality
- 136
- Days with Unhealthy air quality
- 1
- Highest AQI recorded (year)
- 151
Source: EPA air quality data (nearest monitoring station, annual)
Walkability & transit
- Walkability index
- 2.3 / 20
- Transit service frequency
- -99,999
- Jobs reachable by car (30 min)
- 6,171
- Jobs reachable by transit (45 min)
- 6,519
Source: EPA Smart Location Database (metropolitan block groups)
Amenities
- National parks within ~60 mi
- 3
- Nearest national park
- Abraham Lincoln Birthplace National Historical Park (23 mi)
- National parks include
- Abraham Lincoln Birthplace National Historical Park, Mammoth Cave National Park, Lincoln Boyhood National Memorial
- Airports within 30 mi
- 13
- Nearest airport
- Addington Field / Elizabethtown Regional Airport (EKX) (8 mi)
- Nearest major airport
- Godman Army Air Field (FTK) (17 mi)
- Hospitals nearby (~15 mi)
- 2
- Hospitals include
- BAPTIST HEALTH HARDIN, LINCOLN TRAIL BEHAVIORAL HEALTH SYSTEM
- 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)
- +9 tax filers
Source: IRS county-to-county migration data (county-level, ~12-month lag)
Housing stock
- Median year housing built
- 1,995
- Housing built before 1970
- 16.9%
- Housing built 2000 or later
- 32.7%
- Median annual property tax
- $1,220
- Mean commute to work
- 21 min
- Households with broadband internet
- 75.6%
Source: Census ACS 5-year estimates (ZIP-level)
Employment & development
- Total county employment
- 37,523
- Average weekly wage
- $957
- Top industries (by employment)
- Health Care, Accommodation & Food, Administrative Services
- Annual residential building permits (county)
- 391
Sources: BLS QCEW (county-level) · Census Building Permits (county-level)
How it compares
| ZIP 42724 | State median | US median | |
|---|---|---|---|
| Median home value | $234,075 | $169,157 | $289,727 |
| Median sale price | $270,000 | $234,500 | $325,000 |
| Median days on market | 94 days | 57 days | 51 days |
| Median annual property tax | $1,220 | $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 42724?
- $234,075.
- What is the median sale price in ZIP 42724?
- $270,000.
- How long do homes take to sell in ZIP 42724?
- Median days on market: 94 days.
- What is typical rent in ZIP 42724?
- 2-bedroom fair-market rent: $1,089/month (HUD FMR — a 40th-percentile regulatory reference, not market-observed).
- What is the natural-hazard risk in ZIP 42724?
- Overall risk: Relatively Low (FEMA NRI, county-level). Top hazards: iceStorm, lightning, strongWind, coldWave, hail.
- Is ZIP 42724 in a flood zone?
- Minimal (FEMA NFIP). FEMA flood zone X.
- What is the wildfire risk in ZIP 42724?
- Risk to homes is higher than 18% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
- What is the radon potential in ZIP 42724?
- Moderate radon potential — EPA Zone 2 of 3, county-level. EPA recommends testing every home regardless of zone.
- Are there Superfund sites near ZIP 42724?
- No current or proposed National Priorities List sites within 5 miles (EPA).
- How many schools serve ZIP 42724?
- 4 schools (2 elementary, 1 middle, 1 high) (NCES, 2022-23).
- Is ZIP 42724 walkable?
- Walkability index: 2.3/20 (EPA Smart Location Database).
- What is the air quality in ZIP 42724?
- Good. Median AQI: 45. (EPA AQI).
- What is the cost of living in ZIP 42724?
- 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 →