Primary market inventory is higher than sales pace
Here is the one number that changes what you should do right now. The Real Estate Data Aggregator counted 1,146 homes for sale in the Primary market in the three months ending August 31, 2026. Only 635 sold in that same period. More supply than sales pace means buyers have real choices. Sellers need a sharp price.
The National Association of Realtors put U.S. supply at 4.9 months, the highest level in over ten years. That is the national picture. Inside our Primary market, supply ranges from 2.7 months in one ZIP to 12.3 months in another. That gap matters a lot depending on where your home sits.
Months of supply by ZIP code
- 1422062.7 months
- 2421034.3 months
- 3421014.8 months
- 4421045.3 months
- 5422765.5 months
- 6421346.3 months
- 7421227.1 months
- 84216412.3 months
- 94227412.3 months
ZIP 42206 had just 2.7 months of supply, down 1.6 months from a year ago, according to the Real Estate Data Aggregator. That is a tight corner of this market. ZIP 42164 sat at 12.3 months of supply, up 6.6 months from last year. Those two ZIPs are telling very different stories right now.
Prices moved in different directions
Not every ZIP saw prices rise. The Real Estate Data Aggregator shows ZIP 42122 had the highest median sale price at $514,950, up 24.9% from a year ago. ZIP 42104 dipped to $325,995, down 1.2%. ZIP 42206 fell to $254,000, down 8.3%. A small admission: prices softened in some parts of this market. That is worth knowing before you pick a number.
How fast are homes going under contract?
Speed is not the same everywhere either. The Real Estate Data Aggregator found that in ZIP 42122, 29.4% of homes went under contract within two weeks of listing. That share jumped 19.4 points from a year ago. In ZIP 42101, only 15.9% moved that fast, and that share fell 1.9 points. Quick contracts are not a given in every part of this market.
What rates are doing to buyers
Freddie Mac put the average 30-year fixed rate at 7.40% as of October 8, 2026. The 15-year averaged 6.73%. Realtor.com reported rates reached their highest level in nearly three years that same week. Higher rates slow some buyers down. That is part of why more homes are sitting longer in some ZIP codes.
The Federal Housing Finance Agency reported U.S. house prices rose 0.3% from the previous month in July, seasonally adjusted. That is a small but steady national move. Our Primary market shows a wider range, from real gains to real dips, depending on the ZIP.
The Primary market totals in one place
- The Primary market has more homes listed than it is selling right now.
- The National Association of Realtors says that is true nationally too, at the highest supply level in over ten years.
- But inside this market, ZIP 42206 is tight at 2.7 months of supply while ZIP 42164 sits at 12.3 months.
- Rates above 7% are slowing some buyers.
- Prices are rising in some ZIPs and falling in others.
- One street can read very differently from the whole ZIP code.
Your next step
(270) 776-0225Text me your address and I will send back how your home's ZIP compares on supply, days on market, and what homes near you actually sold for in the three months ending August 31, 2026. Takes a day, costs nothing.
Text me- Real Estate Data Aggregator numbers for ZIPs 42134, 42104, 42103, 42101, 42206, 42164, 42122, 42274 and 42276, the three months ending August 31, 2026, compared with the same months of 2025. Real Estate Data Aggregator last updated them on Oct 7, 2026.
- Freddie Mac: Mortgage Rates, read Oct 10, 2026
- National Association of Realtors: Existing-Home Sales, read Oct 10, 2026
- Redfin: One in Five Home Sellers Cut Prices as Buyer’s Market Persists, Sep 30, 2026
- Realtor.com: Weekly Housing Trends: U.S. Market Update (Week Ending Oct. 3, 2026), Oct 8, 2026
- CNBC: High mortgage rates are trapping homeowners in place, and making renovations harder to afford, Oct 3, 2026
- Federal Housing Finance Agency: FHFA House Price Index® Up 0.3 Percent in July; Up 2.6 Percent from Last Year | FHFA, Sep 29, 2026