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Independence market report · September 2026
Independence, KY Home Sales Report: September 2026
Independence resale sales rose 22.1% from January to September 2026 compared with the same months last year, while the median sale price declined 1.5%.
Independence recorded 321 resale sales from January to September 2026, up 22.1% from the same months last year, with a median sale price of $320,000, down 1.5%. September 2026 reinforced that pattern in Independence: resale sales rose 91.3% from a year earlier, while the median price declined 1.6% to $336,500. More homes are selling, but the increase in activity has not translated into higher median prices.
Key findings
- Independence resale homes sold for a median of $320,000 from January to September 2026, down 1.5% from the same months last year.
- Independence recorded 44 resale sales in September 2026, up 91.3% from September 2025, with a median of 10 days on market.
- Independence recorded 126 resale sales from July to September 2026, up 50% from the same quarter last year, while the median price declined 2.5%.
- Independence had 2.1 months of supply as of October 19, 2026, indicating a seller's market despite substantial price-cut activity.
- Independence resale homes sold after a price reduction from January to September 2026 spent a median of 30 days on market, compared with 3 days for sales without a reduction.
- Independence had price reductions on 27 active resale listings, or 49.1% of active resale inventory, as of October 19, 2026.
Year to date: more sales, not higher prices
Independence recorded 321 resale sales from January to September 2026, up 22.1% from the same months last year, while the median sale price declined 1.5% to $320,000. That is the central finding of this report: transaction activity expanded, but pricing did not rise with it.
Independence resale homes spent a median of 7 days on market from January to September 2026, compared with 6 days during the same months last year. Independence resale sellers received an average of 98.6% of original list price from January to September 2026, compared with an average of 98.2% a year earlier.
For a homeowner, these measures support a measured approach. Homes are selling, and the typical marketing period remains short. But stronger sales volume is not evidence that an ambitious asking price will succeed. The Caldwell Group recommends grounding the initial price in comparable closed sales and the properties currently competing for attention.
September reinforced the year's pattern
Independence recorded 44 resale sales in September 2026, compared with 23 in September 2025, an increase of 91.3%. Independence's September 2026 resale median price was $336,500, down 1.6% from the same month last year. The month therefore reinforced the year-to-date story of more completed transactions without a higher median price.
Independence resale homes spent a median of 10 days on market in September 2026, compared with 14 days in September 2025. Independence resale sellers received an average of 98.6% of original list price in September 2026, compared with an average of 96% a year earlier.
The monthly results add evidence of active demand and a quicker selling pace than the prior September. They do not establish that every property will move quickly or sell near its asking price. For sellers, the useful distinction is between an active market and an automatic result. Condition, competing inventory and the opening price still matter.
The quarter shows a broader increase in activity
Independence recorded 126 resale sales from July to September 2026, up 50% from the same quarter last year. Independence resale homes sold for a median of $321,230 from July to September 2026, down 2.5% from a year earlier, while median days on market held at 9.
Across the 7 quarters shown for Independence from Q1 2025 through Q3 2026, quarterly resale median prices moved unevenly rather than following a steady upward path. Independence's quarterly resale median price was $329,450 in Q3 2025, $304,000 in Q1 2026 and $321,230 in Q3 2026. Independence resale sales reached 123 in Q2 2026 and 126 in Q3 2026.
The trend supports the same distinction visible in the annual and monthly comparisons: the market is completing more sales, but the price picture remains restrained. Sellers should use the quarter to check the broader direction, then use closely comparable properties to set an asking price.
Builder inventory is part of the resale competition
Independence new construction sold for a median of $410,000 with a median of 4 days on market from January to September 2026. Independence resale homes sold for a median of $320,000 with a median of 7 days on market during January to September 2026. These are separate segments, and the citywide figures should not be treated as a direct valuation comparison between individual homes.
Independence new construction recorded a median price of $418,588 and a median of 1 day on market from July to September 2026. Independence's September 2026 new construction results were a small sample of 2 sales, so the year-to-date figures offer a broader reference.
Independence had 40 active new construction listings as of October 19, 2026. For a resale seller, that inventory means newly built properties may be competing alternatives. Compare relevant builder listings for condition, layout, asking price and availability. Make the resale home's maintenance, presentation and pricing clear rather than assuming all competition comes from other resale listings.
- Resale · 321 sales
- $320,000Median price, 7 days on market
- New construction · 47 sales
- $410,000Median price, 4 days on market
Limited supply still favors sellers
Independence had 2.1 months of supply as of October 19, 2026, placing the market in seller's-market territory. Independence's October 19, 2026 inventory included 55 active resale listings and 40 active new construction listings, with 38 properties pending. The active inventory represents competition available now, while pending activity shows that properties are continuing to move toward closing.
The supply measure is a pace-based estimate, not a promise about how long a particular listing will take to sell. It also describes the overall market rather than every price bracket or subdivision. A seller can face limited citywide supply and still compete against several closely comparable homes.
The practical message is balanced: sellers retain support from limited inventory, but demand is selective enough that pricing mistakes can linger. Review active listings alongside recent sales before launch. If similar properties go pending while a listing receives little response, reassess price and presentation rather than relying on the market label.
Price bands show where the pace changes
Independence resale homes under $300K and in the $300K to $399K band each spent a median of 6 days on market from January to September 2026. Independence had 0.6 months of supply under $300K and 1.6 months in the $300K to $399K band as of October 19, 2026. Those brackets combined a short historical selling time with limited current supply.
Independence resale homes in the $400K to $499K band spent a median of 12 days on market from January to September 2026, while the $500K to $649K band recorded 17 days. Independence's $400K to $499K band had 11 active resale listings and 2.1 months of supply as of October 19, 2026.
Independence's $650K to $799K band had 12 months of supply as of October 19, 2026, but only 1 resale sale from January to September 2026. That thin sample makes broad timing conclusions unreliable. Higher-priced sellers should emphasize property-specific competition rather than assuming the citywide pace applies.
Price reductions reveal the cost of missing the market
Independence had 27 active resale listings with price reductions as of October 19, 2026, representing 49.1% of active resale inventory. Independence's median active resale price reduction was 5% as of October 19, 2026. Limited overall supply has not eliminated the need to adjust asking prices.
Independence recorded 84 resale sales after a price reduction from January to September 2026, representing 26.2% of resale closings. Independence resale homes sold after a reduction spent a median of 30 days on market from January to September 2026 and received an average of 94.9% of original list price. Independence resale homes sold without a reduction spent a median of 3 days on market from January to September 2026 and received an average of 99.9% of original list price.
These groups are not identical properties, so the figures do not prove that a price cut caused a slower sale. They do show a meaningful association between needing a correction and a longer selling process. Set the opening price against current evidence, then establish a review plan before listing. Waiting for stale pricing to work is not a strategy.
49% of Independence's active resale listings have cut their price. Homes that sold without a cut went in a median of 3 days.
27 of 55 active resale listings have a price cut, a median of 5%
Subdivision detail and the seller's next steps
Among the named Independence subdivisions in the year-to-date table, Glenhurst led with 14 sales from January to September 2026, a median price of $273,500 and a median of 2 days on market. Independence's Battle Ridge recorded 8 sales from January to September 2026, with a median price of $310,000 and a median of 5 days on market.
Independence's Meadow Glen recorded 7 sales from January to September 2026 at a median price of $445,000, and had 11 active listings as of October 19, 2026. Independence's Greenbrook recorded 6 sales from January to September 2026, including 4 new construction sales. These smaller subdivision samples are useful context, not a substitute for comparable-property analysis.
Use the table to identify nearby competition and differences in the mix of homes sold. Before listing, address visible maintenance, prepare photography-ready spaces and review both resale and builder alternatives. The Caldwell Group recommends choosing a price supported by those comparisons and agreeing in advance on how showing feedback and competing sales will guide any adjustment.
What it means if you're selling in Independence
- Price from recent comparable closings and current competition, not from the assumption that rising sales volume means rising values.
- Review nearby builder inventory alongside resale listings, particularly when similar layouts and asking prices overlap.
- Complete visible maintenance and presentation work before photography so the initial listing makes a clear case for its price.
- Agree on a response plan before launch, including how showing feedback and competing listings going pending will trigger a pricing review.
- Use the subdivision and price-band tables to refine expectations instead of applying the citywide selling pace to every home.
Independence market questions
Are home prices rising in Independence, KY?
Independence resale homes sold for a median of $320,000 from January to September 2026, down 1.5% from the same months last year. Independence's September 2026 resale median price was $336,500, down 1.6% from September 2025, even as sales activity increased.
How long does it take to sell a home in Independence?
Independence resale homes spent a median of 7 days on market from January to September 2026 and 10 days in September 2026. Those figures describe the typical marketing period in the closed-sales data, not a guaranteed selling timeline for a particular home.
Is Independence a seller's market?
Independence had 2.1 months of supply as of October 19, 2026, indicating a seller's market. Independence also had 55 active resale listings and 40 active new construction listings as of October 19, 2026, so sellers still need to account for competing inventory.
Should I list high and reduce the price later in Independence?
Independence resale homes sold after a price reduction spent a median of 30 days on market from January to September 2026 and received an average of 94.9% of original list price. Independence resale homes sold without a reduction spent a median of 3 days on market from January to September 2026 and received an average of 99.9% of original list price. The groups differ, but the comparison supports starting with an evidence-based price rather than planning on a later correction.
How these numbers were made
Source: Northern Kentucky MLS (NKMLS), residential and multifamily listings where City is Independence, pulled 2026-10-19. Resale and new construction are split on the MLS new construction flag. Prices are medians of closed sale prices. Days on market is the MLS days on market at sale, as a median. Sale to original list is the average of each sale price divided by its original list price. Months of supply is every active listing divided by the average monthly closings over the past 6 months, the same measure used across the site. Price bands and price reductions cover resale homes only. Subdivisions with fewer than 3 sales this year are left out. Prepared by The Caldwell Group | eXp Realty. Information is deemed reliable but not guaranteed.
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