40444
Lancaster, Kentucky.
Lancaster, Garrard County, KY · population 14,276
to buy the typical home at today's mortgage rate — +$800 (+143%) since Jan 2020.
- 1 year
- Up $5,499 +2%
- $253,480$258,980 since Sep 2025
- 5 years
- Up $64,356 +33%
- $194,624$258,980 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 40444$1,359
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in zip 40444 rose 2.2% over the past year — faster than the nation's +1.2%.
This zip spans 2 counties: Garrard County, KY 97% · Lincoln County, KY 3%
Zillow also publishes an index for the city itself: Lancaster, KY — measured over the city limits, which is a different area from this zip.
Typical home value — 40444
Mid-tier homes, smoothed and seasonally adjusted.
- 40444$258,980
- United States$366,157
Within 20 miles
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 11.6 | 40461 | Paint Lick | 2,527 | — | $280,420 |
| 12.1 | 40422 | Danville | 25,950 | $1,056 | $250,214 |
| 12.3 | 40484 | Stanford | 12,331 | — | $209,558 |
| 12.9 | 40390 | Wilmore | 7,429 | — | $321,947 |
| 13.5 | 40356 | Nicholasville | 45,849 | $1,454 | $326,714 |
| 15.1 | 40440 | Junction City | 2,428 | — | $189,305 |
| 16.4 | 40475 | Richmond | 65,961 | $1,109 | $299,010 |
| 16.8 | 40419 | Crab Orchard | 5,250 | — | $178,203 |
| 18.2 | 40330 | Harrodsburg | 21,250 | $932 | $238,737 |
| 19.1 | 40403 | Berea | 27,607 | $923 | $254,850 |
| 19.2 | 40515 | Lexington | 37,384 | $1,499 | $380,767 |
| 19.6 | 40464 | Parksville | 936 | — | $192,767 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.