ZIP 40941 housing market
Data through Aug 2026 · Balanced market
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Days on Market
154 days
Jan 2026
Price Cut %
0.0%
Dec 2025
Sale-to-List Ratio
95.2%
Aug 2026
Expected Disaster Loss
$395
Dec 2025
What this means
- Negotiating. Homes sell for about 4.8% below their final list price; 0% of listings had a price cut (U.S.: 26%) (as of Dec 2025).
- Disaster risk. FEMA expects about $395 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from flooding. Flood isn't covered by standard homeowners insurance.
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Other ZIP codes in Clay County, KY
| Area | Home value | 1-year change | Buyer leverage |
|---|---|---|---|
| Manchester, KY 40962 | $116.3K | −10.5% | 98 |
| Oneida, KY 40972 | – | – | 48 |
| Big Creek, KY 40914 | – | – | 13 |