AccessibleUpdated SEP 1, 2026

Clarkson, KY

ZIP 42726· Grayson County· 5,025 residents· Median income $53,636· Buyer's Market

42726 · Clarkson, KY has a HavenScore of 58 — market conditions — inventory, days on market, price cuts — currently tilt in buyers' favor.

At the ZIP's typical value, the estimated monthly payment takes 26% of the local median income (Zillow, US Census ACS). The buyer/seller gauge leans firmly toward buyers, and has for 6 months. Typical values moved lower over the last 90 days (Zillow ZHVI).

Saved ZIPs on Haven get an email when the score moves 5+ points as monthly data lands, when the market gauge flips between buyers and sellers, when its valuation read moves against the model value, or when distress jumps in a week.

Zillow ZHVI peaked at $204,585 in Aug 2025; the latest value is -15.1% from that peak, 11 months on. Since January 2019 it is +71.9%. The sharpest 12-month move was -14.6%, ending Jul 2026.

Median price
$173,756
-14.60% past 12 mo
Est. monthly payment
$1,142/ mo
20% down · 30-yr fixed · 6.71% · incl. tax + insurance
CompareShare card
61
HavenScore: higher than 85% of scored ZIPs.
▼ -2 / 90d#39/247 in KYBuyer Score
Rank

Ranked #2,145 of 13,130 nationally · #854 of 5,378 small market ZIPs

Switch perspective

Buyer view active — Leans harder on affordability and downside risk.

Score inputs below recompute for this view

Affordability
68/100
Growth
45/100
Risk
53/100
Momentum
73/100
Livability
35/100
Score · trailing 12 mo
70 → 58
-12 points
30-day
-2
90-day
-2
1-yr
-12

Snapshot

Numbers at a glance, with a year of history under each

Median price
$173,756
down-14.6% 12 mo
Typical home value across the middle tier of homes here — a smoothed Zillow index, steadier than individual sale prices.
Median price: higher than 11% of scored ZIPs.
Twelve-month trend shown as a sparkline; the newest value is $173,756.
Price-to-income
3.2×
Median home value divided by median household income. Under 4× has historically been comfortable; over 5× stretches most budgets.
Price-to-income: higher than 16% of scored ZIPs.
Est. monthly payment
$1,142
At the median value with 20% down, a 30-year fixed at 6.71%, plus property tax and insurance.
Est. monthly payment: higher than 9% of scored ZIPs.
Active listings
42
Homes listed for sale right now (Realtor.com). Rising inventory usually favors buyers; falling inventory favors sellers.
Active listings: higher than 44% of scored ZIPs.
Twelve-month trend shown as a sparkline; the newest value is 42.
Days on market
77
How long the typical listing sits before going under contract. Shorter means a tighter market; longer means more room to negotiate.
Days on market: higher than 87% of scored ZIPs.
Twelve-month trend shown as a sparkline; the newest value is 77.
Price cuts
+31.37%
Share of active listings that have lowered their asking price. Rising cuts usually precede softening values.
Twelve-month trend shown as a sparkline; the newest value is +31.37%.
Median income
$53,636
Median household income here, from the latest US Census American Community Survey.
Population
5,025
Current resident estimate. Growth is a demand tailwind; decline is a structural risk.
Twelve-month trend shown as a sparkline; the newest value is 5,025.
Overvaluation
+98.77%
How far today's values sit above the long-run price trend. Positive means stretched; negative means discounted versus trend.
Vacancy
37.0%
Above-average. Share of housing units that are vacant in this ZIP, from the latest US Census ACS 5-year tables.
Owner-occupied
73%
of homes. Share of occupied housing units owned by their occupants (vs. rented), from the US Census ACS.
Denial rate
26.6%
Above-average. Share of mortgage applications denied in this ZIP, from the latest CFPB / FFIEC HMDA disclosures.
Lending activity
496
originations. Mortgage originations recorded in this ZIP in the most recent HMDA reporting year. Higher counts = more active lending market.
Net migration
+16.4%
net inflow. Net migration as a share of population, from IRS SOI county-to-county migration data. Positive = more people moving in than out.
Income inflow
$62k
average. Average gross income of households moving INTO this ZIP, from IRS SOI data. Higher = ZIP attracting higher-income households.

Place

What it is like to live here, and what could flood or burn

Place profile
WalkabilityLeast walkable
EPA index 4.3 of 20 · EPA Smart Location Database · Jun 2021 · above 9% of scored ZIPs
Transit accessNo transit data
EPA publishes no stop distance for most block groups
Typical commuteTypical commute
24 minutes one way · US median ZIP 22 · US Census ACS · above 35% of scored ZIPs
Jobs nearbyFew jobs nearby
5 jobs per sq mi · US Census LODES · above 1% of scored ZIPs
Physical riskRelatively Moderate (FEMA)
FEMA National Risk Index composite · Dec 2025 release · above 77% of scored ZIPs

Bands are each source’s own · tick marks the national median ZIP · not blended into the score

Hazard ledger · FEMA National Risk Index

Tract-level rolled up to ZIP · not a property-level rating · no future-year projection · refreshed annually (Dec 2025 release) · county tick = median of 5 scored ZIPs in Grayson County

Housing cost burden · US Census ACS
Owners spending over 50% of income5%
US median ZIP 6%
Renters spending over 30% of income24%
US median ZIP 45%
Pro featurefrom $25/mo

See the warning signs building in this ZIP.

The score's read on falling-market signals: foreclosure starts, price cuts picking up speed, and listings sitting longer.

?? / 100 · 🔒 ProDown 14.6% YoY · Forecast continuing · Credit tightening
  • Distress score with severity rating
  • Underlying signal breakdown
  • Price trend and forecast context
  • Refreshed monthly
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What drives the score

Five pillars, each scored 0–100

Affordability

68/100

Growth momentum

45/100

Market risk

53/100

Momentum

73/100

Livability

35/100
Walkability
1–20 index · June 2021 vintage·EPA Smart Location Database
4.3
Transit access
Ranked against every scored ZIP·EPA Smart Location Database
—
Job density
Jobs per square mile, ranked against every scored ZIP·US Census LODES
4.7

See every input behind the pillars, with its value and source

Inside: Affordability: Price-to-income, Property tax rate, Median income · Growth momentum: 12-month price change, 12-month rent change, Population · Market risk: Overvaluation, Active listings, Price cuts · Momentum: Days on market, Buyer / seller gauge, Demand dial

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Market signals

Tailwinds and headwinds right now

Top 6 of 14 signals
Tailwinds2
  • Affordable vs. income
    3.2× income — below the national median
  • Strong migration inflow
    +16.4% net — people moving in
Headwinds4
  • Declining prices
    -14.6% year-over-year
  • Potentially overvalued
    99% above historical price-to-income
  • Widespread price cuts
    31% of listings cutting price
  • Slow-moving market
    77 days on market — homes sitting longer
Buyer / seller gauge

Market conditions

Buyer's Market

Buyers hold the leverage. Concessions and below-asking offers are common.

-44
Strong buyerBalancedStrong seller
Trend
Cooling toward buyer
Gauge since Mar 2026Buyer's Market now

Cycle read. Softening: prices -14.6% over the trailing year, with the market leaning toward buyers.

Asking vs closed
Typical value (index)
$173,756
Zillow ZHVI · Sep 2026
Median sale price
—
Redfin
Sale-to-list
—
Redfin
Sold above list
—
Redfin

The Zillow figure is a smoothed index of typical value, not a list price; the Redfin figures are closed sales for the month shown. Redfin does not publish every ZIP every month; a dash means no closed-sale figure for the latest month.

Momentum check

What's changed in the last 90 days

🔒 Haven
Locked

Median price

——
🔒 Haven
Locked

Inventory

——
🔒 Haven
Locked

Days on market

——
🔒 Haven
Locked

Price cuts

——

Change vs. prior 90 days · arrow shows direction, not whether it’s good or bad

Pulse signals unlock with Haven, plus a one-line market interpretation.

The 90-day numbers behind each tile open with Haven

Trend

Where it's been

Peak
$204,585
Aug 2025
From peak
-15.1%
11 mo ago
Since Jan 2019
+71.9%
Worst 12 mo
-14.6%
to Jul 2026
Best 12 mo
+29.6%
since 2018

Zillow ZHVI peaked at $204,585 in Aug 2025; the latest value is -15.1% from that peak, 11 months on. Since January 2019 it is +71.9%. The sharpest 12-month move was -14.6%, ending Jul 2026.

Cycle position — prices vs the model’s value estimate and the payment’s share of income vs five years ago — opens with Pro

Appreciation by window

Zillow ZHVI · rank among scored ZIPs
WindowChangePer yearUS rankKentucky rank
1 yeardown-14.6%-14.6%/yrHigher than 1% nationallyHigher than 4% in Kentucky
3 yearsup+10.3%+3.3%/yrHigher than 47% nationallyHigher than 33% in Kentucky
5 yearsup+13.3%+2.5%/yrHigher than 16% nationallyHigher than 12% in Kentucky
10 yearsup+137.8%+9.0%/yrTop 6% nationallyTop 4% in Kentucky
Since 2003up+374.5%+7.0%/yr——

Starter homes vs the top tier

Zillow ZHVI tiers · Jul 2026
Bottom third (starter homes)
$100,092
down-3% 5Yup+143% 10Y
Middle third
$173,756
up+18% 5Yup+148% 10Y
Top third
$262,304
down-14% 5Yup+34% 10Y

Starter homes here fell 3% in five years while top-tier homes fell 14% (Zillow ZHVI tiers) — the bottom of the market outpaced the top.

The historical reading — which months run highest and lowest here — opens with Haven

Rent, inventory, days on market, Zillow’s market heat, the % view and state and US reference lines open with Haven

Forecast

Where it's heading

The HavenScore Forecast Model (v1) projects this ZIP’s median value at 3-, 6-, and 12-month horizons, with 80% prediction intervals; Pro adds 24- and 36-month horizons.

Price Forecast

3-month projection · 80% range

🔒 Haven
—————
3-month shown  |  6 & 12 months with Haven →
3-month
$185,519
+6.8%
80% range $171.1K–$196.1K
6-month
🔒 Haven
12-month
🔒 Haven

Of the 3-month ranges we published since December 2025, 60% contained the actual price. Track record →

6- and 12-month projections, their 80% ranges, and what moves the forecast unlock with Haven.

Forecasts are the model’s projection, not a prediction. Actuals will differ.

See the 6- and 12-month price ranges for this ZIP and what moves the forecast

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Monthly cost

What you'd owe each month

Est. monthly payment
$1,142/ mo

20% down · 30-yr fixed · 6.71% · tax 0.83%

Principal$121
Interest$777
Property tax$120
Insurance$124
Rent vs buy

Rent data isn’t published for this ZIP, so we can’t compute a rent-vs-buy gap.

Insurance uses the average homeowners premium insurers reported for this ZIP in 2022, $1,484 a year (Treasury Federal Insurance Office).

Payment share of income

26%of the ZIP’s median income at the median value ($1,142/mo against $53,636 · Zillow, Freddie Mac PMMS, US Census ACS). Your own marker appears once you set an income or price in the calculator below.

Price-to-income · ZIP vs state vs US

Median home value ÷ median household income · Zillow ZHVI, US Census ACS · under 4× has historically been comfortable

Run the numbers

Your price, rate, down payment and income

Like for like: a 3-bedroom here rents for about $1,400 a month (HUD Small Area Fair Market Rent, FY2026) against a typical 3-bedroom value of $248k (Zillow ZHVI by bedroom) — a 6.8% gross rent yield.

Cost of ownership over time

Cumulative housing cost, interest paid, and equity built · 20% down · ZIP median income $53,636

See the 1-, 5-, and 30-year cost of owning here

Inside: Total housing cost · Interest paid · Principal paid · Equity built

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Equity assumes flat home value; real appreciation could push it higher · Rate 6.71%

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Comparable ZIPs

Same shape, lower entry

ZIPs the score groups near 42726 on Affordability and Growth — sorted by lowest median value. Each tile names what the lower price trades: commute (ACS), walkability band (EPA) and hazard rating (FEMA).

ZIP 42721
Caneyville
KY
55
  • Saves $19k
  • Longer commute (+6 min)
  • Similar walkability
  • Similar hazard risk
$155,072-19.54%
ZIP 24330
Fries
VA
58
  • Saves $18k
  • Longer commute (+4 min)
  • Similar walkability
  • Similar hazard risk
$155,907+6.41%
ZIP 40119
Falls of Rough
KY
58
  • Saves $18k
  • Longer commute (+15 min)
  • Similar walkability
  • Similar hazard risk
$156,180-11.13%
ZIP 42712
Big Clifty
KY
52
  • Saves $6k
  • Longer commute (+10 min)
  • Similar walkability
  • Similar hazard risk
$168,248-18.16%

Sources

Every number, traced

Every metric above is sourced from public datasets, normalized against the national ZIP distribution. Home values and rents refresh monthly; demographics refresh annually.

Zillow Research
Home values, rents, inventory, transactions
Realtor.com
Inventory, days on market, price-cut share
Redfin
Sale prices, transaction volume
US Census ACS
Income, population, vacancy, cost burden
Freddie Mac PMMS
Current 30-year fixed mortgage rates
FHFA HPI
Long-term price trends
HUD Small Area FMR
Per-ZIP fair market rents (rural fallback)
BEA & IRS
Personal income growth, net migration
Lending & accessibility
Lending and neighborhood-access signals
Research the restNo crime or school rating here — why. The primary sources:GreatSchools→NCES School Search→FBI Crime Data Explorer→

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