ZIP 42728 Housing Market & Real Estate Update (Columbia, KY) — February 25, 2026
42728 – February 25, 2026 – Columbia, KY market looks buyer-leaning: Realtor.com shows ~$230K median and ~87 for sale; Zillow values ~$163K.
Quick context for ZIP 42728
ZIP 42728 is primarily Columbia, Kentucky (Adair County). The most recent portal-level market stats available today are largely reported through late 2025, but they still give a useful read on direction heading into spring.
Top takeaways
- Buyers appear to have negotiating room: recent ZIP-level data shows an 85% sale-to-list price ratio (December 2025).
- Inventory is higher year over year, and homes are taking longer to move, which can pressure pricing for sellers who need a quick close.
- Zillow values for 42728 were slightly lower year over year through year-end 2025, suggesting a flatter price trend versus the prior run-up.
- Active listings span everything from lower-priced small homes to larger acreage tracts, so comps matter a lot block by block.
Market snapshot (latest available)
Realtor.com (ZIP 42728 overview): Median home sale price about $230,000, about +15% year over year, with 87 homes listed for sale. The site characterizes 42728 as a buyer’s market in December 2025, and the typical home sold around 15% below asking on average.
Zillow (42728 home values): Typical home value about $163,087, down about 1.3% over the prior year (data through December 31, 2025). Zillow also showed 61 homes for sale and 11 new listings at year-end, plus a median list price around $244,767.
Rates and payments: Even without a single local rate, the big story for affordability remains payment sensitivity. When rates stay elevated, buyers in markets like Columbia tend to shop harder on condition, repairs, and insurance costs.
What’s for sale nearby (no addresses)
- Lower-priced homes: Zillow’s current search feed shows some smaller homes in the roughly $120K to $150K range, including at least one with a recent price cut.
- Move-in ready family homes: Realtor.com’s active set includes multiple 2–4 bedroom homes in the low-to-mid $200Ks, which is consistent with the ZIP’s recent median sale price.
- Land and acreage: Both portals show land listings, including larger tracts (some over 100 acres). These can trade on different drivers than in-town homes, so compare recent land closings separately.
Local watchlist
We did not see a clear, widely reported major zoning vote or subdivision announcement tied specifically to ZIP 42728 in the sources reviewed today. If you are tracking new construction, keep an eye on county planning agendas, utility extensions, and any new manufactured-home placements, since those can shift inventory faster than a few resale listings.
ServiceXTC local pro note
ServiceXTC is still expanding verified directory coverage for ZIP 42728. If you are a local home inspector, roofer, HVAC tech, electrician, plumber, or remodeler who serves Columbia and Adair County, you can submit a listing for review.
Sources (see source URLs in the post metadata)
- Realtor.com ZIP 42728 market overview (sale price, inventory, sale-to-list ratio)
- Zillow 42728 home values (typical value and inventory snapshots)
- Zillow 42728 listings feed (examples of current mix of homes and land)
- UnitedStatesZipCodes.org (42728 city and county mapping)
What are you seeing right now in 42728: more price cuts, or more new listings coming on as spring approaches?