Counties / Kentucky / Jackson County

Jackson County, KY

FIPS 21109 · population 13,086 · outside every metro area

$114k
Zillow home value · 2026-06
The numbers

What this county costs and earns

Everything here joins on the county FIPS code, so each figure comes from the agency that publishes it with no name matching in between.

Zillow home value
$114k
▼ 20.8% year over year
Zillow ZHVI · direct
ACS median gross rent
$665
occupied-unit survey; not current asking rent
Census ACS · surveyed
Gross yield
n/a
gross yield cannot be computed without measured market rent
requires both measured price and measured rent
HUD 2-bed standard
$866
the Section 8 payment standard
HUD Fair Market Rent · direct
Independent price check

Do two methods point the same way?

Zillow estimates a current home value. FHFA tracks repeat mortgage transactions. Their growth rates should be read side by side, not averaged.

One annual series is unavailable
FHFA five-year cumulativen/anot annualized · through n/a
0%ZILLOW ZHVI2026-06−20.8%FHFA HPIperiod n/an/a
Annual changes use different methods and may use different periods. The comparison checks direction and magnitude; it does not create a blended estimate. Zillow county ZHVI pulled 2026-07-26; FHFA annual county HPI pulled 2026-07-28.
Owner-reported value$112k
Surveyed gross rent$665
Rent burden 30%+44.6%
Median year built1990
Housing composition

Who occupies the stock—and what it is

ACS 2024 5-year
14.7%vacant
6,006estimated housing units
Occupied tenure22.6% renter
owner 77.4%renter 22.6%
Structure mix66.5% single-family
Single-family 66.5%20+ units 1.0%Mobile home 25.9%Other 6.5%
ACS estimates describe the standing housing stock and occupied tenure. They do not measure current listings, transaction prices or asking rents.

Survey source: Census ACS 5-year — county housing value, tenure and stock · ACS 2024 5-year · pulled 2026-07-30. These values describe different housing universes and are not combined into gross yield.

Annual average covered jobs1,771▼ 0.6% from the prior annual release
Covered establishments213annual average reporting locations
Average weekly wage$817▲ 5.4% from the prior annual release
Largest private supersectorEducation and health services33.0% of disclosed private covered jobs
Local labor base

Jobs, pay and private-sector concentration

2025
0%COVERED JOBS−0.6%WEEKLY WAGE+5.4%Education and health services33.0%
Annual QCEW counts cover jobs located at reporting establishments. The industry share uses disclosed private covered employment; it is not a resident-employment measure or a forecast.

Workplace source: BLS QCEW — county employment and wages · annual county employment and wages 2025 vs 2024 · pulled 2026-07-31. QCEW counts covered jobs located in the county, not employed residents or the metro score’s CES/LAUS series.

County brief

What the local evidence says

01Decision frame

Jackson County pairs a low value with a sharp measured decline and no rent evidence to establish income support. Zillow’s 2026-06 county median home value is $113,729, down 20.82% year over year. Income-focused buyers should be cautious; other buyers should verify parcel economics rather than call this a bargain. No FHFA annual repeat-transaction HPI is published to independently test Zillow’s direction.

02Housing economics

Market rent is not published, so gross yield cannot be computed. HUD’s two-bedroom FMR of $866 per month is a payment standard, not asking rent, and cannot replace rent in a yield calculation. The 0.62% effective property-tax rate is a carrying-cost input, but it does not establish parcel tax. Without market rent, price-to-rent and rent-coverage conclusions remain unavailable.

03Demand & competition

Realtor.com’s MLS data show median asking price down 2.42%, a smaller decline than Zillow’s home-value measure; their methods are not interchangeable. The listing market has a 64-day median marketing time, 28.1% price-reduced share and 31.94% pending-to-active ratio. These are asking-price, marketing-time, seller-concession and listing-status evidence—not closed-sale prices or proof of buyer demand. Annual QCEW reports 1,771 covered jobs at county workplaces, down 0.56%, while covered-worker wages rose; Education and health services is the largest disclosed private supersector, not the whole economy. Tax-return migration was net positive by 60 households, with incoming movers’ average income $6,326 above outgoing. Investor mortgage purchases were 1.28% of 78 purchases, indicating limited measured non-owner participation rather than all cash-investor activity.

04Risk & next checks

Inland flood is the dominant hazard, and modeled annual climate loss equals 0.22% of building value. This is an expected-loss model, not a parcel loss estimate. Market rents, leases, closed-sale comparables, vacancy and operating costs are needed to test yield and valuation. Flood zone, elevation, insurance, deductible and condition records are needed to price property exposure; county listing evidence cannot resolve financing terms or parcel quality.

Cities & communities

Where people live within Jackson County

Census-recognized incorporated places and CDPs that intersect this county. The list does not pretend to include every neighborhood or informal community.

Population scale

Largest Census places

ACS 2024 5-year
Annville CDP1.1KMcKee city888
Bars use total place population, not a county-share estimate. An asterisk marks a place that crosses a county line.
Official directory

2 Census places

Population
  1. 01
    Annville CDPCensus-designated place
    1,063
  2. 02
    McKee cityIncorporated place
    888

Population is the total place-wide ACS estimate, not an allocated county share. A place crossing a county line is labelled explicitly. Source: Census ACS 5-year — cities and communities · ACS 2024 5-year · pulled 2026-07-30.

Risk, demand and competition

The three things a price does not tell you

01
Risk & carrying costFEMA NRI + Census ACS
Dominant hazardinland flooding

0.222% of building value expected lost per year

Effective property tax0.62%

$687 median annual bill

02
DemandIRS SOI household flows
Net migration+60

251 in · 191 out

Arriving vs leaving income+$6,326

$40,127 arriving · $33,801 leaving

03
CompetitionHMDA financed purchases
Purchases by investors1.3%

1 of 78 mortgages

investorother financed
Current listing pressure

What sellers and visible supply are doing

Realtor.com® Economic Research · county inventory 2026-06 · pulled 2026-07-28
Active listings36▲ 30.9% year over year
Median days on market64▲ 44.6% year over year
Listings price-reduced28.1%seller-concession signal
Median listing pricen/a▼ 2.4% year over year

Listing price is an asking price, not a closed sale. Quality-flagged county rows are withheld instead of displayed.

No rent index is published for this county.Zillow’s county rent series does not cover every county, and estimating one from a neighbouring county would be a guess wearing a number’s clothes. Everything above is measured here; no wider market is mapped for it either.
Bear case

What can break the county thesis

  1. Actual market rents, vacancy and operating costs could produce a materially different income case than the price measure suggests.
  2. MLS listing conditions may not translate into closed-sale values or executable purchase terms.
  3. Flood exposure and insurance costs can vary substantially by parcel beyond the county-level modeled loss ratio.
Underwriting questions

Before pricing a property

Can gross yield be calculated from this record?

No. Market rent is not published, and HUD FMR cannot be substituted for market rent.

What does the investor-purchase evidence measure?

It measures non-owner mortgage purchases, not all investor activity, because cash-investor purchases are not captured.

Does the record establish a property-level flood cost?

No. It provides a county modeled expected-loss ratio; parcel flood zone, elevation, insurance and condition data are not published.