Helton, KY 40988 housing market

What this means

• Prices. Home values are down 21.4% over the past year (U.S.: +1.2%), 20% below their 2022-23 peak.
• Supply. Listings are 25% below the 2017-19 norm: still a tight market.
• Negotiating. Buyer leverage is moderate (52/100; U.S.: 54): homes typically sell at or above asking (100.0% of list) (as of Nov 2025); 0% of listings had a price cut (U.S.: 26%).
• Affordability. A mortgage on the typical home takes 16% of the median household income (U.S.: 35%); it takes about $20k a year to keep the payment at 30% of gross pay. That includes about $1,261 a year for home insurance (U.S.: $1,790).
• Disaster risk. FEMA expects about $559 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.
• Outlook. No clear direction: likely −9% to +7% over the next 12 months (53% chance of a rise).

Next 12 months

No clear direction

A rise is somewhat more likely than a fall, but not by enough to call. Likely change: −9.0% to +7.3% (80% range; middle estimate +0.3%), chance of a rise 53%, of a 5%+ drop 21%.

HouseVane's model, refit every month on local market signals and national ones, trained only on data known at the time. How accurate it has been.

Other ZIP codes in Bell County, KY