Upton, Kentucky.
Typical home $195,098 (-8.1% in a year). Elizabethtown-Fort Knox, KY metro.
to buy the typical home at today's mortgage rate — +$528 (+106%) since Jan 2020.
- 1 year
- Down $17,296 -8%
- $212,394$195,098 since Sep 2025
- 5 years
- Up $26,223 +16%
- $168,875$195,098 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.
- Upton$1,024
- Kentucky$1,212
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 24 years.
Typical home values in Upton, KY fell 8.1% over the past year — slower than the nation's +1.2%.
Living in Upton, Hart County, Kentucky
Upton is a city of 704 people in Hart County. Half its households earn more than $43,173 a year and half less, against $52,285 across Hart County; 18% of its people live below the poverty line. Unemployment in Hart County was 4.2% in August 2026, and the county had 3.7% more jobs in 2025 than the year before. The most people in Hart 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 It can be wrong or out of date.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. Upton is a very small Kentucky city in Hart County, home to a small community of residents. Residents are somewhat younger than in many small towns, and household incomes run below the county's, with a fairly large share of people living below the poverty line. Homes here are modestly priced, and relatively few adults hold a four-year degree.
Work. Many residents work in manufacturing, in schools, hospitals and social care, in restaurants and hotels, or in shops. Across Hart County, the largest workplaces include Dart Container in Horse Cave, Marzetti Manufacturing Company in Horse Cave, and Hart County Schools. Unemployment in the county is a little lower than a year ago, and the county has added jobs, though the typical commute is a long one and few people work from home.
Things to do. The Nolin River is a short drive away, a good spot for time by the water. Farther afield, a longer drive brings you to Mammoth Cave National Park, and to Horse Cave, a tourist attraction. Winters are cold and summers warm, with a fair amount of rain and melted snow through the year.
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- 275households
- 22%of adults have a degree
- 18%below the poverty line
- 30 mintypical commute
- 7%work from home
What people in Hart County work in
Employed residents by industry, from the Census survey. Hart County had 5,466 jobs in 2025, 3.7% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 43° and lows near 23°; warmest in July, with highs near 86° and lows near 65°. About 53 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Millerstown 4E weather station, 6 miles away (NOAA).
Largest workplaces in Hart County
- Dart Container Horse CaveCups, polystyrene foam, manufacturing1,394
- Marzetti Manufacturing Company-Horse CaveSalad dressings manufacturing891
- Hart County SchoolsSchool district380FTE
- T. MarzettiBakeries with baking from flour on the premises, retailing not for immediate consumption355
- Signature HealthcareSkilled nursing facilities116
- THE Medical Center at CavernaCritical access hospital73FTE
- Interstate HardwoodsBoards, wood, made from logs or bolts41
- Hart County Fiscal CourtExecutive and legislative office combinations35
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 13 workplaces with 20 or more staff, 3,070 people in all across the county; Upton has none of its own. 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
- Strong windRelatively high
- HailRelatively high
- LightningRelatively high
- Winter weatherRelatively high
- TornadoesRelatively high
- Ice stormsrelatively high in parts of UptonRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Upton’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 Hart County and the Elizabethtown-Fort Knox, KY metro.
Upton home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Upton$195,098
- 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.
- Upton13
Zip codes with a Upton address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Upton — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.