Nancy, Kentucky.
Typical home $152,822 (-3.6% in a year). Somerset, KY metro.
to buy the typical home at today's mortgage rate — +$395 (+97%) since Jan 2020.
- 1 year
- Down $5,692 -4%
- $158,514$152,822 since Sep 2025
- 5 years
- Up $10,071 +7%
- $142,751$152,822 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.
- Nancy$802
- Kentucky$1,212
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 51 years.
Typical home values in Nancy, KY fell 3.6% over the past year — slower than the nation's +1.2%.
Living in Nancy, Pulaski County, Kentucky
The Census does not count Nancy on its own, so the figures here are Pulaski County's. Half the county's households earn more than $51,898 a year and half less; 20% of the county's people live below the poverty line. 72% of the county's homes are lived in by their owners and 28% are rented. Unemployment in Pulaski County was 4.4% in August 2026, and the county had 2.0% more jobs in 2025 than the year before. The most people in Pulaski County work in schools and health care, then manufacturing.
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 It can be wrong or out of date.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. Nancy is a small town in Pulaski County, in south-central Kentucky. Most homes here are lived in by their owners, and the county's typical home value is in the range where many residents live comfortably. Winters are cold and snowy at times, summers are warm, and rain falls through much of the year.
Work. Many residents work in schools, hospitals and social care, in manufacturing, or in shops. Unemployment in the county eased slightly over the past year, and the number of jobs grew a little. A smaller share of adults hold a four-year degree than in many parts of the country, and few people work from home, so most commute to a workplace, and a typical trip is a short drive.
Things to do. Mill Springs Battlefield National Monument, a protected area, is a short drive away and preserves the site of a Civil War battle. Cumberland Falls, a waterfall, and Cumberland Falls State Resort Park, a protected area, are a longer drive away. The Big South Fork Scenic Railway, a museum, is also a longer drive away.
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- 26,210households
- 42.3median age
- 18%of adults have a degree
- 20%below the poverty line
- 23 mintypical commute
- 7%work from home
What people in Pulaski County work in
Employed residents by industry, from the Census survey. Pulaski County had 26,767 jobs in 2025, 2.0% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 45° and lows near 26°; warmest in July, with highs near 86° and lows near 66°. About 14 inches of snow and 52 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Monticello Northeast weather station, 12 miles away (NOAA).
Largest workplaces in Pulaski County
- Pulaski County SchoolsSchool district1,211FTE
- Toyotetsu AmericaJob stampings, automotive, metal, manufacturing1,100
- Lake Cumberland Regional HospGeneral hospital966FTE
- City of SomersetAdvisory commissions, executive government750
- Somerset Community CollegeTwo-year college558
- WalmartWarehouse clubs and supercenters462
- Hendrickson Commercial Vehicle SystemsAutomotive, truck and bus suspension assemblies and parts manufacturing451
- UGNAutomobile trimmings, textile, manufacturing317
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 58 workplaces with 20 or more staff, 7,952 people in all. School districts come from the Common Core of Data (NCES, 2023–24), hospitals from their Medicare cost reports (CMS, 2023) and colleges from IPEDS (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
- Winter weatherRelatively high
- Strong windRelatively high
- HailRelatively moderate
- Cold wavesRelatively moderate
- TornadoesRelatively moderate
- Inland floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Pulaski County, against the rest of the country; all of them together, relatively 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 Pulaski County and the Somerset, KY metro.
Nancy home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Nancy$152,822
- Kentucky$230,909
- United States$366,157
Sellers are cutting prices on about 1 in 3 Nancy listings — the market is cooling.
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.
- Nancy28.61%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Nancy62
New listings per month
Sellers arriving at the market.
- Nancy7
Zip codes with a Nancy address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Nancy — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.