Owenton, Kentucky.
Typical home $154,085 (-7.6% in a year).
to buy the typical home at today's mortgage rate — +$428 (+112%) since Jan 2020.
- 1 year
- Down $12,731 -8%
- $166,816$154,085 since Sep 2025
- 5 years
- Up $24,114 +19%
- $129,970$154,085 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.
- Owenton$809
- Kentucky$1,212
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 20 years.
Typical home values in Owenton, KY fell 7.6% over the past year — slower than the nation's +1.2%.
Living in Owenton, Owen County, Kentucky
Owenton is a city of 1,682 people in Owen County. Half its households earn more than $55,438 a year and half less, against $61,134 across Owen County; 15% of its people live below the poverty line. 58% of its homes are lived in by their owners and 42% are rented. Unemployment in Owen County was 3.9% in August 2026, and the county had 3.4% more jobs in 2025 than the year before. The most residents 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 It can be wrong or out of date.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. Owenton is a small Kentucky city, the kind of place where people tend to know one another. Household incomes run below the county's, and more households live below the poverty line than most would expect to see. A majority of homes are lived in by their owners, and typical home values are modest. Few adults hold a four-year degree.
Work. Many residents work in schools, hospitals and social care, with manufacturing, restaurants and hotels, and shops also employing a good share. Across Owen County, some of the largest workplaces are Owen County Schools, Owenton Healthcare and the state government's Cabinet for Health and Family Services offices. The typical commute is a long one, and few people work from home. Unemployment has eased slightly over the past year, and the county has added jobs.
Things to do. Elmer Davis Lake, a reservoir, is a short drive away and is the closest spot for time on the water. A longer drive brings you to General Butler State Resort Park, a protected area, and to Big Bone Lick State Park, another protected area. Winters are cold, with some snow, and summers are warm, with plenty of rain and melted snow through the year.
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- 547households
- 13%of adults have a degree
- 15%below the poverty line
- 33 mintypical commute
- 6%work from home
What residents work in
Employed residents by industry, from the Census survey. Owen County had 1,592 jobs in 2025, 3.4% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 42° and lows near 25°; warmest in July, with highs near 87° and lows near 66°. About 16 inches of snow and 46 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Williamstown weather station, 17 miles away (NOAA).
Largest workplaces in Owen County
- Owen County SchoolsSchool district258FTE
- Owenton HealthcareSkilled nursing facilities95
- Chfs DcbsState government22
- Southern States Owenton Cooperative22
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 3 workplaces with 20 or more staff, 139 people in all across the county; Owenton has one 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 windRelatively high
- TornadoesRelatively high
- LightningRelatively high
- Ice stormsRelatively moderate
- Winter weatherRelatively 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 Owenton’s census tracts, 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 Owen County.
Owenton home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Owenton$154,085
- 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.
- Owenton7
Zip codes with a Owenton address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Owenton — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zillow publishes no zip-level series with this city on the address.