Albany, Kentucky.
Typical home $140,690 (-11.4% in a year).
to buy the typical home at today's mortgage rate — +$380 (+106%) since Jan 2020.
- 1 year
- Down $18,184 -11%
- $158,874$140,690 since Sep 2025
- 5 years
- Up $16,307 +13%
- $124,383$140,690 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.
- Albany$738
- Kentucky$1,212
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 28 years.
Typical home values in Albany, KY fell 11.4% over the past year — slower than the nation's +1.2%.
Living in Albany, Clinton County, Kentucky
Albany is a city of 1,760 people in Clinton County. Half its households earn more than $44,007 a year and half less, against $44,844 across Clinton County; 14% of its people live below the poverty line. Unemployment in Clinton County was 4.9% in August 2026, and the county had 2.9% more jobs in 2025 than the year before. The most people in Clinton County work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Albany is a small city and the seat of Clinton County, Kentucky. Residents are older than in most American places, and household incomes sit a little below the county's. A four-year degree is held by fewer adults than in much of the country. Winters are cold, with January the coldest month, summers turn warm by July, and rain and melted snow fall steadily through the year.
Work. Schools, hospitals and social care employ more residents than any other field, followed by manufacturing, restaurants and hotels, and shops. Among the largest workplaces in Albany are Signature Healthcare, a skilled nursing facility, and THE Medical Center of Albany, a hospital. Commutes are short, and very few people work from home.
Things to do. Dale Hollow Lake State Park is a protected area a short drive away, and Cordell Hull Birthplace State Park, also a short drive off, is another protected area. Seventy Six Falls is a waterfall a short drive away. For a longer outing, Lake Cumberland is a large reservoir a longer drive away.
Report a mistake
- 828households
- 14%of adults have a degree
- 14%below the poverty line
- 17 mintypical commute
- 3%work from home
What people in Clinton County work in
Employed residents by industry, from the Census survey. Clinton County had 3,635 jobs in 2025, 2.9% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 46° and lows near 27°; warmest in July, with highs near 84° and lows near 67°. About 55 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Byrdstown weather station, 8 miles away (NOAA).
Largest workplaces in Albany
- Signature HealthcareSkilled nursing facilities61
- THE Medical Center of AlbanyCritical access hospital50FTE
- THE Medical Center of AlbanyGeneral hospital39FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 2 workplaces with 20 or more staff, 159 people in all. Hospitals come from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Inland floodingVery high
- Winter weatherRelatively high
- Strong windRelatively high
- HailRelatively high
- Cold wavesRelatively high
- LightningRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Albany’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Clinton County.
Albany home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Albany$140,690
- Kentucky$230,909
- United States$366,157
Sellers are cutting prices on about 1 in 5 Albany listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Albany21.20%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Albany35
New listings per month
Sellers arriving at the market.
Not enough data to draw this yet.
Zip codes with a Albany address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Albany — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.