Scott County

Kentucky · Lexington-Fayette, KY metro area · 62,262 residents (2025 est.)

FHFA annual index 1985–2025Developmental county indexPermits through August 2026

Scott County (100 = first year)United States, rebased to the same startNBER recession

FHFA notes: The FHFA HPI is a broad measure of the movement of single-family house prices. The FHFA HPI is a weighted, repeat-sales index, meaning that it measures average price changes in repeat sales or refinancings on the same properties. FHFA describes its county indexes as developmental and subject to revision. The index does not give a dollar value for any home.

FHFA's index for Scott County, Kentucky, starts in 1985 and stood at 406 in 2025, +305.8% above its base of 100.

Over the ten years to 2025 the index rose +92.1% (+6.7% a year), above Kentucky at +84.1% and above the national +85.0%. The Lexington-Fayette, KY area rose +94.9%. The latest one-year change is +4.0%.

The strongest decade was the 1990s (+43.1%); the weakest the 2010s (+23.4%).

After a 2007 peak the index fell −6.6% to 2013 and regained the peak in 2016.

Builders were authorised for 343 housing units in the county in the 12 months to August 2026 (−26.6% on the previous 12 months), 5.5 units per 1,000 residents; 78% were single-family houses. Since 1995 the county has authorised 13,271 units, most in 2005.

+4.0%1 year, 2024–2025Kentucky +3.9%

+56.5%5 yearsUS +47.0%

+92.1%10 years+6.7% a year annualised

+140.8%since 2000US +158.3%

343units permitted, 12 months5.5 per 1,000 residents

Same span, four levels

Change in the FHFA index	Scott County	Lexington-Fayette area	Kentucky	United States
1 year (2024–2025)	+4.0%	+4.1%	+3.9%	+2.8%
5 years (2020–2025)	+56.5%	+55.7%	+50.0%	+47.0%
10 years (2015–2025)	+92.1%	+94.9%	+84.1%	+85.0%
20 years (2005–2025)	+99.1%	+106.6%	+96.6%	+79.1%
Since 2000	+140.8%	+154.4%	+136.1%	+158.3%
Since 1985	+305.8%	+305.9%	+338.6%	+376.3%
10-year annualised	+6.7%	+6.9%	+6.3%	+6.3%
20-year annualised	+3.5%	+3.7%	+3.4%	+3.0%

All columns are FHFA annual all-transactions indexes over the same years.

Decade by decade

Decade	Change	United States
1990s (1990–2000)	+43.1%	+33.9%
2000s (2000–2010)	+24.6%	+29.7%
2010s (2010–2020)	+23.4%	+35.5%
2020s so far (2020–2025)	+56.5%	+47.0%

FHFA reports each index with a value of 100 in its base period, the first year the area has enough transactions (1985 here). A decade's change is the index at the end of the decade divided by the index at the start, so it does not depend on the base year; the United States column covers the same years. Decades before 1985 are not shown.

Peak-to-low declines

Peak	Low	Decline	Peak regained
2007	2013	−6.6%	2016

Building permits

Housing units authorised by building permits in Scott County, by month over the latest five years and by year since 1995.

Housing units authorised in Scott County by month, latest 12 monthssingle-family2+ unit buildings

Housing units authorised in Scott County by month, latest 60 monthssingle-family2+ unit buildings

Housing units authorised in Scott County by year, 1995–2025single-family2+ unit buildings

Permits, 12 months to August 2026	Scott County	Kentucky	United States
Housing units authorised	343	13,410	1,418,086
Units per 1,000 residents	5.5	2.9	4.1
Single-family share	78%	64%	63%
Change on previous 12 months	−26.6%	−7.1%	−0.1%
Units authorised since 1995	13,271	459,336	43,082,761

Population is the Census Bureau's vintage 2025 estimate. Permits authorise construction; they are not completions.

ZIP codes in Scott County

Ranked by ten-year change in the FHFA ZIP index. Where a ZIP's index ends before 2025, its spans end in that year.

ZIP	1 year	10 years	Since 2000	Index through	Years
40379	+12.3%	+110.1%	+174.7%	2025	33
40324	+3.1%	+92.0%	+138.4%	2025	41
40370	−9.8%	+70.5%	+127.1%	2025	27

Cities and permit-issuing places in Scott County

Housing units authorised in the 12 months to August 2026; places with at least 12 units in the year, or in the year before.

Place	Units, 12 months	Per 1,000 residents	Single-family
Scott County	343	—	78%

Questions and answers

How much have home values in Scott County risen over 10 years?

The FHFA index for Scott County rose +92.1% from 2015 to 2025, about +6.7% a year. Over 20 years: +99.1%; since 2000: +140.8%.

How does Scott County compare with Kentucky and the United States?

Over the ten years to 2025: Scott County +92.1%, Kentucky +84.1%, United States +85.0%, Lexington-Fayette, KY +94.9%.

What happened to Scott County prices in 2008?

The index peaked in 2007 and fell −6.6% to 2013; it passed the peak again in 2016. The state index fell — over —–—.

How many homes are being built in Scott County?

343 housing units were authorised by building permits in the 12 months to August 2026 (269 single-family, 68 in buildings of five or more units), or 5.5 per 1,000 residents against 2.9 for Kentucky.

Where does this data come from?

The index is FHFA's annual county house price index (all-transactions, developmental), last updated March 31, 2026, with values through 2025. Permits are from the Census Bureau Building Permits Survey through August 2026; population is the Census Bureau's vintage 2025 estimate.

Provenance

Index: Federal Housing Finance Agency, annual house price index for counties (all-transactions, developmental), last updated March 31, 2026, values 1985–2025; metro, state and national comparisons from FHFA's annual indexes in the same release. Permits: Census Bureau Building Permits Survey, county and place files, through August 2026. Population: Census Bureau vintage 2025 estimates. ZIP assignment: 2020 ZCTA-to-county relationship file. Public domain throughout. Corrections · FHFA HPI datasets · Building Permits Survey.