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Arjay 40902

ZIP codeThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.Kentucky
$15K
Median sale priceThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.
3
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$45K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Jan 2026 · Quarterly intervals (lower sales volume)Counties take time to publish deeds, so the newest months can be incomplete and may shift as more records arrive.

Market Trends

Sale pricesThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.MedianSales
2016201820192022202320242026
Growth (year over year)How much prices and sales counts changed since the same time last year, using a 3-month average to smooth out noise. Above the dashed line means growth.PriceSales
2016201820192022202320242026
Price per square footThe middle price per square foot, for sales where the size is known. It adjusts for homes being different sizes.$/ft²
2016201820192022202320242026
Annual turnover (share of homes sold)The share of all homes here that sold in the trailing 12 months. Higher turnover means a more liquid market where homes trade hands more often.Turnover
2016201820192022202320242026
Buyer mixWho is buying. Cash means no mortgage was recorded, investor means the buyer looked like an investor, and flip means the home resold within a year.CashInvestorFlip resale
2016201820192022202320242026
Financing (share of purchase price)For buyers who borrowed: the middle share of the price they financed, and the middle share they paid up front.Loan (LTV)Down payment
2016201820192022202320242026
Sellers who sold at a gainThe share of sellers each month who sold for more than they originally paid.Sold at gain
2016201820192022202320242026
Typical hold before sellingThe middle number of years sellers owned their home before selling.Median hold
2016201820192022202320242026
Median annualized return at resaleThe middle yearly gain sellers earned, spread across the years they owned the home. Only counts homes held at least a year.Annualized gain
2016201820192022202320242026

Housing Stock

HomesHow many homes we have records for in this area.461
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$45K
Median sizeThe middle home size here, measured in square feet.1,120 ft²
Median bedroomsThe middle bedroom count for homes here.3
Median year builtThe middle build year for homes here. A recent year means most housing is newer.1984
Single familyThe share of homes here that are single-family houses.80%

Equity & Ownership

Equity rich (LTV ≤ 50%)The share of owners who owe half or less of what their home is worth, meaning they hold a lot of equity.85%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.3.4%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.40%
Company ownedThe share of homes owned by a company or trust instead of a person.3.7%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.0%
Typical ownership tenureHow long the typical owner here has held their home.26.6 yrs

CommunityThese are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.116
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.126
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.98

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.2.9%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.649
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.25 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$43K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$56K
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.52 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

Market metrics are derived from recorded arms-length deeds and refreshed nightly. Temperature blends price momentum, sales velocity, turnover and resale outcomes, ranked against all ZIP codes nationally.

How Arjay 40902 compares

By median home value, Arjay 40902 is the 9th most expensive of 9 ZIP codes in Bell County, and its typical home is worth more than 17% of all homes in Bell County.

Home values in Arjay 40902

Share of homes at each estimated value.

Median
$20K$145K
ZIP codes in Bell County ranked by median home value
#Bell CountyMedian valueHomes
1Middlesboro 40965$96K5,571
2Calvin 40813$81K291
3Pineville 40977$79K4,083
4Hulen 40845$71K332
5Miracle 40856$63K545
6Kettle Island 40958$52K245
7Fourmile 40939$51K183
8Stoney Fork 40988$46K278
9Arjay 40902$45K461

About the Arjay 40902 market

What is the median home price in Arjay 40902, KY?

The median sale price in Arjay 40902, KY is $15,000 (data through January 2026), based on deeds recorded with the county.

How many homes sell in Arjay 40902, KY each year?

3 homes sold in Arjay 40902, KY over the last 12 months (data through January 2026). TopHap counts recorded arm's-length deeds, not listings, so the figure is not affected by which brokerage handled the sale.

How many homes are there in Arjay 40902, KY?

Arjay 40902, KY contains 461 residential properties, with a median of 1,120 square feet, 3 bedrooms, built around 1984. The median TopHap Estimate is $45K.

How does Arjay 40902, KY compare to the rest of Bell County?

By median home value, Arjay 40902, KY is the 9th most expensive of 9 ZIP codes in Bell County. Its typical home is worth more than 17% of all homes in Bell County. Stoney Fork 40988 ranks just above it. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Arjay 40902, KY?

40% of homes in Arjay 40902, KY are owner-occupied. 4% are held by a company rather than an individual.

How much equity do owners in Arjay 40902, KY hold?

85% of mortgaged homes in Arjay 40902, KY are equity-rich, meaning the loan balance is under half the home's value. 3.4% owe more than the home is worth.

Nearby markets

Browse addresses

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Explore Arjay 40902 on the map

See every recorded sale, price heat map, school zone and flood overlay across Arjay 40902in TopHap’s interactive 3D map.

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