Beaver Dam, Kentucky.
Typical home $147,360 (-2.5% in a year).
to buy the typical home at today's mortgage rate — +$388 (+101%) since Jan 2020.
- 1 year
- Down $3,819 -3%
- $151,178$147,360 since Sep 2025
- 5 years
- Up $45,249 +44%
- $102,110$147,360 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.
- Beaver Dam$773
- Kentucky$1,212
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 9 years.
Typical home values in Beaver Dam, KY fell 2.5% over the past year — slower than the nation's +1.2%.
Living in Beaver Dam, Ohio County, Kentucky
Beaver Dam is a city of 3,531 people in Ohio County. Half its households earn more than $53,944 a year and half less, against $57,798 across Ohio County; 11% of its people live below the poverty line. Unemployment in Ohio County was 4.6% in August 2026, and the county had 1.1% fewer jobs in 2025 than the year before. The most people in Ohio 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 It can be wrong or out of date.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. Beaver Dam is a small city in Ohio County, Kentucky, with household incomes a little below the county's and homes that cost less than in many parts of the country. Winters are cold, with January the coldest month, and summers are warm, with July the hottest. Rain and melted snow fall steadily through the year.
Work. Most residents work in schools, hospitals and social care, followed by manufacturing, the building trades and shops. Among the larger workplaces in town are Young Manufacturing, a planing and millwork business, and Dogwood Estates, an assisted-living facility. Commutes are fairly long, and very few people work from home. Jobs across the county have slipped a little over the past year.
Things to do. The Bill Monroe Museum is a short drive away, and so is Carlston Annis Shell Mound, an archaeological site. A longer drive brings you to Lake Malone State Park, a protected area built around Lake Malone. That makes it a good choice for time on the water.
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- 1,304households
- 16%of adults have a degree
- 11%below the poverty line
- 32 mintypical commute
- 2%work from home
What people in Ohio County work in
Employed residents by industry, from the Census survey. Ohio County had 7,304 jobs in 2025, 1.1% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 44° and lows near 24°; warmest in July, with highs near 88° and lows near 68°. About 52 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Beaver Dam weather station, 4 miles away (NOAA).
Largest workplaces in Beaver Dam
- Young ManufacturingPlaning mills, millwork222
- Stericycle - Beaver DamOther nonhazardous waste treatment and disposal67
- Dogwood EstatesAssisted-living facilities without on-site nursing care facilities40
- Chfs DcbsState government32
- Beaver DAMMail and parcel delivery21
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 5 workplaces with 20 or more staff, 382 people in all. 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
- Ice stormsRelatively high
- Strong windRelatively high
- HailRelatively high
- TornadoesRelatively high
- EarthquakesRelatively moderate
- Winter weatherrelatively high in parts of Beaver DamRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Beaver Dam’s census tracts, against the rest of the country; all of them together, relatively moderate. 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 Ohio County.
Beaver Dam home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Beaver Dam$147,360
- Kentucky$230,909
- United States$366,157
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
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Beaver Dam16
New listings per month
Sellers arriving at the market.
- Beaver Dam5
Zip codes with a Beaver Dam address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Beaver Dam — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.