The story of this market
The typical home in Bell County, Kentucky sells for about $177,450, or $92 per square foot.
Prices are down 2.78% from a year ago, which gives buyers more room to negotiate. Homes take about 100 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $909 a month.
HUD sets the fair market rent for a 2-bedroom at $909 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Moderate.
Monthly price momentum
Home values since 2015
+4.3%
KY · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,133
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Natural hazard exposure
The area's risk shape
66
Relatively Moderate
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $18,802,308.
Mortgage activity
Home lending in this county
61.7%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 567 | 245 | 61.7% | 8% | $115,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Bell County, Kentucky
The Bell County housing market is currently experiencing a period of contraction with declining population and low median household income. Listing prices remain relatively stagnant, and the market shows limited activity with a high median days on market.
7 distress filing(s) on the ARED verified county foreclosure ledger. Key-figure check: median price corroborated by the prior refresh cycle (within 12.5%).
Select a city to expand its ZIP intel reports beneath · 2 cities · 2 ZIP reports
Median prices moved down 28.2% year over year.
Homes spend a median of 105 days on market with 6.2 months of supply — a slower-moving market.
13% of listings have cut prices · homes sell at 94.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) — a stable, low-distress profile.
Deterministic aggregate of 1 researched ZIP reports of 2 — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Nov 8
researched Oct 17
| 40965 | Middlesboro | $160,000 | $105 | +17.5% | 82 | 94.5% | 12% | 4.1 | 57 | $595 | researched Nov 8 |
| 40977 | Pineville | $83,700 | $626 | -28.2% | 105 | 94.5% | 12.5% | 6.2 | 485 | $910 | researched Oct 17 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Kentucky) — Kentucky Ad Valorem Property Tax: Property is assessed at its fair cash value (price at a fair voluntary sale). The tax is calculated by applying local and state tax rates to the assessed value.
The local economy is characterized by a significant income gap compared to the state median, with a 2024 GDP of $997 million.
- The Corbin Arena4.429.6 mi
- Tazewell Speedway4.716.3 mi
- Beach Island Resort & Marina Watercraft Rentals4.429.1 mi
- Austin City Saloon4.429.2 mi
- Mr Gatti's Pizza3.828.6 mi
- Cumberland Gap National Historical Park4.88.1 mi
- Wilderness Road State Park4.89.7 mi
- Abraham Lincoln Library and Museum4.711.1 mi
- Golden Ticket Cinemas Middlesboro 449.3 mi
- Hillcrest Lanes4.412.8 mi
- Cumberland Gap National Historical Park4.88.1 mi
- Harland Sanders Café and Museum4.529.5 mi
- VA-TN-KY Tri-State Point4.810 mi
- Wilderness Road State Park4.89.7 mi
- Chained Rock4.73.6 mi
- Cumberland Gap National Historical Park4.88.1 mi
- Wilderness Road State Park4.89.7 mi
- Martin's Station Wilderness Road State Park4.89.5 mi
- Dr. Thomas Walker State Historic Site4.517.1 mi
- Chained Rock Trailhead4.83.9 mi
- Flat Hollow Marina & Resort4.329 mi
- Beach Island Resort & Marina Watercraft Rentals4.429.1 mi
- Cedar Grove Marina & Campground4.226.4 mi
- Norris Landing Marina4.625.6 mi
- Straight Creek Marina4.525.6 mi
- Wasioto Winds Golf Course4.43.6 mi
- Tim Short CDJR of Middlesboro4.58.5 mi
- Middlesboro Mall3.89.3 mi
- R.O. Giles Flea Market4.114.9 mi
- Belk4.19.4 mi
- Village Center Mall3.818.3 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.
Data retrieved from U.S. Census Bureau QuickFacts and ACS profiles.
Property is assessed at its fair cash value (price at a fair voluntary sale). The tax is calculated by applying local and state tax rates to the assessed value. A homestead exemption is available for owners aged 65 or older or those who are totally disabled, which exempts a portion of the assessed value from taxation (the specific exemption amount is adjusted biennially based on the cost of living index).
Kentucky Constitution Section 170, 172; KRS 132.190
Kentucky is a judicial foreclosure state, requiring a court action to enforce a mortgage or lien. The process involves a court-ordered sale, typically conducted by the master commissioner.
KRS Chapter 426
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.