Bedford, Kentucky.
Typical home $246,092 (-0.2% in a year).
to buy the typical home at today's mortgage rate — +$751 (+139%) since Jan 2020.
- 1 year
- Down $486 -0%
- $246,578$246,092 since Sep 2025
- 5 years
- Up $65,251 +36%
- $180,841$246,092 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.
- Bedford$1,292
- Kentucky$1,212
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 11 years.
Typical home values in Bedford, KY fell 0.2% over the past year — slower than the nation's +1.2%.
Living in Bedford, Trimble County, Kentucky
Bedford is a city of 526 people in Trimble County. Half its households earn more than $41,875 a year and half less, against $66,027 across Trimble County. Unemployment in Trimble County was 3.8% in August 2026, and the county had 4.7% fewer jobs in 2025 than the year before. The most people in Trimble County work in manufacturing, then schools and health care.
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 It can be wrong or out of date.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. Bedford is a very small city and the seat of Trimble County, Kentucky. Household incomes in town run well below the county's, and the typical home is worth a good deal more than the incomes might suggest. Very few adults hold a four-year degree. Winters are cold, with January highs a little above freezing and lows well below it, and summers turn hot by July. Snow falls in modest amounts, and the year brings a lot of rain.
Work. Residents work mostly in manufacturing, in schools, hospitals and social care, in transport, warehouses and utilities, and in the building trades. Across Trimble County, the largest workplaces include LG&E, Trimble County Schools and CertainTeed's gypsum products plant. The commute is long for many people, and few work from home. Jobs across the county were fewer last year than the year before, while unemployment has stayed close to where it stood a year earlier.
Things to do. The Little Kentucky River and Cedar Cliffs Park are both a short drive away, good for time by the water or an outing in a park. The Kentucky River is also a short drive off. For a longer drive, Clifty Falls State Park has a waterfall, and General Butler State Resort Park is a protected area to explore.
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- 3%of adults have a degree
- 33 mintypical commute
- 7%work from home
What people in Trimble County work in
Employed residents by industry, from the Census survey. Trimble County had 1,022 jobs in 2025, 4.7% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 42° and lows near 24°; warmest in July, with highs near 88° and lows near 66°. About 12 inches of snow and 51 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Madison Sewage Plt weather station, 11 miles away (NOAA).
Largest workplaces in Trimble County
- LG&EElectric power generation, fossil fuel175
- Trimble County SchoolsSchool district161FTE
- CertainTeed Gypsum Manufacturing Inc Carrollton KentuckyGypsum building products manufacturing126
- Bedford Springs Health and RehabHomes for the elderly with nursing care50
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 3 workplaces with 20 or more staff, 351 people in all across the county; Bedford has none of its own. School districts come from the Common Core of Data (NCES, 2023–24); 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
- Strong windVery high
- TornadoesVery high
- Inland floodingRelatively high
- LightningRelatively high
- Ice stormsRelatively moderate
- Cold wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Bedford’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 Trimble County.
Bedford home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Bedford$246,092
- 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.
- Bedford17
New listings per month
Sellers arriving at the market.
- Bedford5
Zip codes with a Bedford address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Bedford — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.