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Area data

Mount Vernon, KY — ZIP 40456

Population: 8,370 (Census ACS)

The median home value in ZIP 40456 (Mount Vernon, KY) is $145,028 — down 10.9% over the past year. Homes sell for a median $190,000 after a median 61 days on market. 6 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Very Low, with strongwind, winterweather the top-rated hazards. Cost of living is 9.8% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$145,028

Median home value

-10.9%

1-year change

61

Median days on market

Very Low

Hazard risk (county)

Home values & appreciation

Median home value
$145,028
1-year appreciation
-10.9%
3-year appreciation
+0.6%
5-year appreciation
+30.4%
10-year appreciation
+88.8%
All-time peak (2025-06)
$165,188
House Price Index (state)
413.6 (+4.3% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$190,000
Median list price
$225,900
Median price per sqft
$130
1-year sale-price change
-7.6%
Median days on market
61 days
Homes sold (recent period)
23
For-sale inventory
27
Sale-to-list ratio
95.8%
Active listings
27
New listings (monthly)
7

Source: recent area sales and market data (ZIP-level)

Rents

Studio fair-market rent
$650/mo
1BR fair-market rent
$810/mo
2BR fair-market rent
$909/mo
3BR fair-market rent
$1,174/mo
4BR fair-market rent
$1,270/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Below Average)
90.2 (100 = US avg)
Electricity rate (state-level)
13.2¢/kWh
Natural gas rate (state-level)
$14.20/MCF
30-year mortgage rate (national)
7.40%
15-year mortgage rate (national)
6.73%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
6
Elementary schools
2
Middle schools
1
High schools
3
Avg student-teacher ratio
14.6 : 1
School districts serving the area
Kentucky Tech System, Rockcastle County
Schools include
Rockcastle County Area Technology Center, Rockcastle County Middle School, Mt. Vernon Elementary, Rockcastle County High School, Roundstone Elementary School

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Very Low
Top hazards (county)
strongWind, winterWeather
Notable hazard ratings (county)
hail: Relatively Low · tornado: Relatively Low · coldWave: Relatively Low · heatWave: Relatively Low · iceStorm: Relatively Low · landslide: Relatively Low
Wildfire risk to homes (county)
Higher than 70% of US counties
Buildings in wildfire direct-exposure zone
85.1%
Radon potential (county)
Moderate radon potential — EPA Zone 2 of 3
EPA Superfund (NPL) sites within 5 mi
None
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
55.0°F
Average high
66.0°F
Average low
45.0°F
Annual precipitation
51.4 in
Annual snowfall
10.9 in
USDA plant hardiness zone
7a (extreme annual low 0 to 5°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Amenities

National parks within ~60 mi
2
Nearest national park
Camp Nelson National Monument (31 mi)
National parks include
Camp Nelson National Monument, Mill Springs Battlefield National Monument
Airports within 30 mi
10
Nearest airport
Crawford Ultralightport (2 mi)
Nearest major airport
Central Kentucky Regional Airport (16 mi)
Hospitals nearby (~15 mi)
1
Hospitals include
ROCKCASTLE COUNTY HOSPITAL, INC.
Avg hospital rating (CMS)
2.0 / 5
Best hospital rating nearby (CMS)
2.0 / 5
Solar radiation rating
Fair (4.1 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
+74 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,990
Housing built before 1970
22.3%
Housing built 2000 or later
28.2%
Median annual property tax
$595
Mean commute to work
22 min
Households with broadband internet
60.8%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
3,046
Average weekly wage
$865
Top industries (by employment)
Professional Services, Finance & Insurance, Administrative Services

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 40456State medianUS median
Median home value$145,028$169,240$288,527
Median sale price$190,000$234,500$325,000
Median days on market61 days57 days51 days
Median annual property tax$595$921$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 40456?
$145,028.
What is the median sale price in ZIP 40456?
$190,000.
How long do homes take to sell in ZIP 40456?
Median days on market: 61 days.
What is typical rent in ZIP 40456?
2-bedroom fair-market rent: $909/month (HUD FMR — a 40th-percentile regulatory reference, not market-observed).
What is the natural-hazard risk in ZIP 40456?
Overall risk: Very Low (FEMA NRI, county-level). Top hazards: strongWind, winterWeather.
What is the wildfire risk in ZIP 40456?
Risk to homes is higher than 70% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 40456?
Moderate radon potential — EPA Zone 2 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 40456?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve ZIP 40456?
6 schools (2 elementary, 1 middle, 3 high) (NCES, 2022-23).
What is the cost of living in ZIP 40456?
Regional Price Parity: 90.2 (100 = US average) (Below Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Oct 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents