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MILTON, KY 40045

Real Estate Market Report  ·  Trimble County
Buyer's Market
January 2026  ·  Source: Realtor.com

Market Overview

Active Listings
12
⇧ 71.4% vs 7 last year
Pending
3
25% pending ratio
Median Price
$319,900
⇧ 19.7% vs $267,288 last year
Average Price
$386,291
⇧ 17.2% vs $329,646 last year
Days on Market
107
⇧ 105.8% vs 52 days last year

Market Context

Population: 3,173  ·  Density: 23.5/mi²  ·  Median household income: $70,481

Typical home value: $156,351  ·  Homeownership: 87.4%

Market Analysis

Data as of January 2026. Source: Realtor.com.

The MILTON, KY real estate market (40045) currently shows 12 active listings, with 3 pending sales. Homes are averaging 107 days on the market before going under contract.

Inventory has increased compared to last year, with 5 more homes available — giving buyers more choice.

Homes are taking longer to sell, averaging 107 days on market compared to 52 days last year.

The median listing price has risen 19.7% year-over-year, from $267,288 to $319,900.

Whether you are buying or selling in MILTON, KY, SELL123.com can help you save significantly on commission — typically 2% compared to traditional 5% broker fees. Call (240) SELL-123 for a free consultation.

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Market Trends

Inventory & Days on Market

Year over Year
  • Listings: 12 this year vs 7 last year
  • Days on market: 107 now vs 52 last year

Median & Average Pricing

Year over Year
  • Median: $319,900 (+19.7% YoY)
  • Average: $386,291 (+17.2% YoY)

12-Month Price Trend

Median & Average
  • Median and average listing prices over the past 12 months

12-Month Inventory Trend

Active & Pending
  • Active and pending listing counts over the past 12 months

Historical Trend Charts

Median Price
Average Price
Days on Market
Total Listings
Pending Listings
Active Listings
New Listings

Nearby Real Estate Markets

Median Price Legend:
< $250K
$250K–$500K
$500K–$1M
$1M–$2M
> $2M
25 Nearby Zip Code Markets within 20.7 miles — 215 listings ($91,256,113 combined market value)
Zip City / State Distance Listings Market Value Median $ Average $
40045Milton, KY 400450.0 mi12$4,635,492$319,900$386,291
47243Hanover, IN 472436.9 mi21$6,519,975$277,450$310,475
41008Carrollton, KY 4100810.5 mi22$7,256,920$289,000$329,860
47162New Washington, IN 4716212.0 mi2$505,800$252,900$252,900
47138Lexington, IN 4713813.0 mi16$5,837,968$309,900$364,873
40077Westport, KY 4007714.1 mi4$769,800$219,950$192,450
47043Vevay, IN 4704315.5 mi21$7,293,909$299,900$347,329
47231Dupont, IN 4723116.1 mi2$594,000$297,000$297,000
47141Marysville, IN 4714116.9 mi5$1,718,000$342,200$343,600
40031La Grange, KY 4003118.6 mi97$51,125,499$412,500$527,067
47011Bennington, IN 4701119.8 mi4$1,518,800$399,450$379,700
47163Otisco, IN 4716320.4 mi5$2,208,750$407,000$441,750
41098Worthville, KY 4109820.7 mi4$1,271,200$249,900$317,800

Frequently Asked Questions

How many homes are for sale in MILTON, KY 40045?

As of January 2026, there are 12 active listings in MILTON, KY (zip code 40045), compared to 7 the prior year.

What is the median home price in MILTON, KY 40045?

The median listing price in MILTON, KY 40045 is $319,900 as of January 2026, a 19.7% increase from $267,288 the prior year.

How long do homes stay on the market in MILTON, KY?

Homes in MILTON, KY 40045 spend an average of 107 days on the market before going under contract, compared to 52 days the prior year.

Is it a seller's or buyer's market in MILTON, KY 40045?

Based on current inventory and days-on-market data as of January 2026, MILTON, KY 40045 is currently a Buyer's Market. Inventory has increased compared to last year, with 5 more homes available — giving buyers more choice. Homes are taking longer to sell, averaging 107 days on market compared to 52 days last year.

How much can I save on real estate commission in MILTON, KY?

With SELL123.com's maximum 3% commission, sellers in MILTON, KY 40045 save an estimated $6,398 compared to a typical 5% commission on the median listing price of $319,900. Our fee structure: 1% listing + 2% selling broker — no additional buyer or seller fees. Call (240) SELL-123 or email info@SELL123.com for a free consultation.