Custer, Kentucky.
Typical home $212,503 (+1.3% in a year).
to buy the typical home at today's mortgage rate — +$656 (+143%) since Jan 2020.
- 1 year
- Up $2,763 +1%
- $209,741$212,503 since Sep 2025
- 5 years
- Up $50,584 +31%
- $161,919$212,503 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.
- Custer$1,115
- Kentucky$1,212
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 13 years.
Typical home values in Custer, KY rose 1.3% over the past year — in step with the nation.
Living in Custer, Breckinridge County, Kentucky
The Census does not count Custer on its own, so the figures here are Breckinridge County's. Half the county's households earn more than $55,843 a year and half less; 21% of the county's people live below the poverty line. 81% of the county's homes are lived in by their owners and 19% are rented. Unemployment in Breckinridge County was 4.6% in August 2026, and the county had 1.3% more jobs in 2025 than the year before. The most people in Breckinridge County work in manufacturing, then schools and health care.
Written by AI Claude Haiku 5.5 wrote this on 22 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 It can be wrong or out of date.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. Custer is a small community in Breckinridge County, Kentucky, where most homes are lived in by their owners, as is common across the county. Winters are cold, with freezing nights in January, and summers are hot. The year is a wet one, with plenty of rain and melted snow.
Work. Many residents work in manufacturing, in schools, hospitals and social care, in shops, or in the building trades. Working from home is uncommon. Unemployment across the county has eased over the past year, and the number of jobs has risen a little.
Things to do. The Rough River is a short drive away, and the Rough River Dam State Resort Park, a protected area, lies a longer drive off. The General George Patton Museum of Leadership is a museum a longer drive away, for those who enjoy history.
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- 8,069households
- 42.5median age
- 14%of adults have a degree
- 21%below the poverty line
- 33 mintypical commute
- 4%work from home
What people in Breckinridge County work in
Employed residents by industry, from the Census survey. Breckinridge County had 3,769 jobs in 2025, 1.3% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 42° and lows near 22°; warmest in July, with highs near 88° and lows near 63°. About 52 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Corners weather station, 4 miles away (NOAA).
Largest workplaces in Breckinridge County
- Breckinridge County SchoolsSchool district423FTE
- Breckinridge HealthCritical access hospital348FTE
- WalmartDiscount department stores86
- Hardinsburg Nursing and Rehabilitation CenterSkilled nursing facilities63
- Aulbach Land USAAgriculture production or harvesting crews47
- Cloverport Independent SchoolsSchool district47FTE
- Breckinridge Tobacco CompanyTobacco farming, field and seed production38
- Joe Bennett Backhoe, Plumbing & RentalsEquipment rental, construction, with operator30
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 8 workplaces with 20 or more staff, 331 people in all. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals 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
- HailRelatively moderate
- Ice stormsRelatively moderate
- Strong windRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Breckinridge County, against the rest of the country; all of them together, very low. 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 Breckinridge County.
Custer home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Custer$212,503
- 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.
Zip codes with a Custer address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Custer — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Custer
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 40115 | Custer | 1,012 | — | $204,795 |
| 40140 | Garfield | 866 | — | $199,697 |