The story of this market
The typical home in Fulton County, Kentucky sells for about $95,925, or $66 per square foot.
Prices are up +3.8% from a year ago, so sellers still have some momentum. Homes take about 112 days to sell, which is slow. Over the long run, values in this county have grown 70% since 2001. The biggest natural hazard here is ice storm, which FEMA rates very high. HUD's fair market rent for a two-bedroom is $909 a month.
HUD sets the fair market rent for a 2-bedroom at $909 a month. FEMA's National Risk Index rates overall hazard risk here as Very High.
Price climate
Every year of price change, 2001–2025
0%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2017 (+39.6%). Worst: 2016 (-11.9%). Hover to read a year.
Monthly price momentum
Home values since 2015
+4.3%
KY · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,259
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2001–2025
0%
2025 change
FHFA repeat-sales index, median of 1 census tracts in this county (2001 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
98
Very High
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $9,588,192.
Mortgage activity
Home lending in this county
61.9%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 72 | 33 | 61.9% | 8.4% | $75,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Fulton County, Kentucky
Fulton County's housing market remains soft, characterized by a shrinking population and low transaction volume. While median list prices have seen a modest year-over-year increase, the high vacancy rate and reliance on a narrow agricultural economic base suggest limited near-term appreciation potential.
1 distress filing(s) on the ARED verified county foreclosure ledger. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 2 cities · 2 ZIP reports
Median prices moved up 1.1% year over year.
Homes spend a median of 58 days on market with 8.7 months of supply — a balanced-paced market.
11% of listings have cut prices · homes sell at 95.11% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.3% · poverty 22.1% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
Deterministic aggregate of 2 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Fulton County, Kentucky — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 3.1%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
Public education is primarily served by the Fulton Independent and Fulton County school districts, which face challenges typical of rural, declining-population areas.
The county is situated along the Mississippi River, presenting significant flood risks in low-lying areas; property insurance premiums are influenced by these regional environmental hazards.
The local economy is heavily reliant on agriculture and regional logistics, with limited new industrial development; population decline remains a persistent headwind for economic momentum.
Property taxes are assessed by the county based on fair cash value, with rates set by local taxing districts including the county, city, and school boards.
Recreation is centered on outdoor activities, including fishing and hunting along the Mississippi River and local wildlife management areas.
The rental market is characterized by low turnover and a high share of older housing stock, with vacancy rates reflecting the broader population decline.
The economy is primarily driven by agriculture, agribusiness, and regional logistics, with ongoing efforts to attract small-scale manufacturing.
Transportation is dominated by rural highway networks; the county relies on river access and road connectivity for the movement of agricultural goods.
The Fulton County Property Valuation Administrator (PVA) is responsible for the assessment of all real property at fair cash value.
Parcels are subject to various special taxing districts, including local school districts and regional health/hospital districts.
Property insurance costs are elevated due to the county's proximity to the Mississippi River and associated flood risks.
The county experiences consistent net domestic out-migration, primarily driven by younger residents seeking employment in larger urban centers.
Kentucky is a judicial foreclosure state, requiring court action to complete the foreclosure process.
Sellers are required to provide a residential property disclosure form detailing the condition of the property to the best of their knowledge.
- Discovery Park of America4.89.3 mi
- Reelfoot Lake State Park4.716.4 mi
- Columbus Belmont State Park4.814.1 mi
- Big Oak Tree State Park4.410.3 mi
- Dixie Gun Works4.410.8 mi
- Discovery Park of America4.89.3 mi
- Columbus Belmont State Park4.814.1 mi
- Wickliffe Mounds State Historic Site4.528.3 mi
- New Madrid Historical Museum4.621.9 mi
- Reelfoot Lake State Park4.716.4 mi
- Columbus Belmont State Park4.814.1 mi
- Big Oak Tree State Park4.410.3 mi
- Graham Park4.311.4 mi
- Reelfoot National Wildlife Refuge4.714.2 mi
- Reelfoot Shopping Center4.111.1 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
Provides significant opportunities for fishing, boating, and wildlife observation, serving as the county's primary natural amenity.
A historic site featuring Civil War earthworks and scenic river views, offering hiking trails and camping facilities.
Data retrieved from US Census Bureau QuickFacts and ACS 5-year estimates.
Kentucky is a judicial foreclosure state, requiring a court action to enforce a mortgage or lien. The process involves a court-ordered sale, typically conducted by the master commissioner.
KRS Chapter 426
Property is assessed at its fair cash value (price at a fair voluntary sale). The tax is calculated by applying local and state tax rates to the assessed value. A homestead exemption is available for owners aged 65 or older or those who are totally disabled, which exempts a portion of the assessed value from taxation (the specific exemption amount is adjusted biennially based on the cost of living index).
Kentucky Constitution Section 170, 172; KRS 132.190
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.