Median sale prices in Radcliff rose 4.1 % year-over-year to $185,000, yet still sit 38 % below Louisville’s $298K median, making the city a magnet for Fort Knox personnel and commuters willing to drive 35 minutes north. Inventory crept up to 110 active listings this spring—double the pandemic low—but well-priced homes under $180K receive multiple offers within 48 hours.

• Average days on market: 21 (county-wide average is 29)
• List-to-sale ratio: 98.4 % for properties priced $150K–$200K
• Share of VA purchases: 31 %, highest in Kentucky outside Hopkinsville
• Fastest-selling neighborhoods: Heritage Park, Woodland Hills, and North Wilson corridor

Brick ranch homes dominate the landscape; two-car garages and quarter-acre lots are standard. New construction is limited—only two plats currently open, both by D.R. Horton—so resale competition is the norm. Appraisal gaps are rare because sale prices track closely with replacement cost at $110–$125 per square foot.

Heritage Park – Tree-lined streets, sidewalks, and a $155K–$180K price band. Most homes were built in 1993–1998 and have 1,350–1,500 sq ft. Zoned for North Park Elementary and North Hardin High, both 8/10 GreatSchools ratings, so resale demand is steady.

Guthrie Oaks – A 5-minute drive to the Walmart SuperCenter and 15 minutes to Fort Knox’s Brandenburg Gate. Expect 1,600 sq ft splits at $170K–$195K. HOA is only $85/year and covers common-area mowing.

Willow Creek – Radcliff’s newest subdivision (2005–2010). Sidewalks, underground utilities, and city sewer. Prices run $200K–$235K, but NMHL’s USDA map shows the east side of the subdivision is still eligible for 100 % financing.

South Wilson corridor – If you’re comfortable with a fixer, 1970s ranches here list at $120K–$140K. NMHL’s FHA 203(k) streamlines repairs up to $35K into the same low 3.5 % down loan.

Hardin County’s combined property-tax rate inside Radcliff city limits is 0.849 per $100 of assessed value. On a $185,000 home the assessed value is typically 85 % of that, or $157,250, producing an annual tax bill of about $1,335—$111 a month.

Homeowner’s insurance averages $1,050/year, lower than coastal states but 12 % above the Kentucky mean because of storm-hail risk. Flood zones are minimal; only 3 % of parcels require flood insurance.

Utility costs run $145/month for electricity (LG&E) and $38 for water/sewer. Radcliff’s municipal gas department keeps winter heating at roughly $92/month for a 1,500-sq-ft home.

When you add HOA (if applicable), the total monthly escrow portion of your mortgage payment is usually $260–$290—one of the lowest in the region.

KHC Regular DAP – Up to $6,000 at 0 % interest, forgiven after five years. Income limit $79,500 for a 1–2-person household in Hardin County. Combine with KHC’s conventional or FHA preferred-risk rate—currently 0.375 % below market.

KHC Welcome Home – $7,500 forgivable over 10 years for teachers, EMS, fire, and police. Radcliff Police HQ letterhead is all that’s required.

Fort Knox Federal Credit Union HomeFront – 3 % of purchase price grant (up to $7,500) for active-duty, veterans, and Department of the Army civilians. No repayment or recapture period.

NMHL Community Key Grant – Our in-house program layers $2,500 on top of any KHC or credit-union grant for Radcliff purchases under $225,000. Funds are wired at closing—no second lien, no promissory note.

Bottom line: a qualified first-time buyer in Radcliff can walk into a $185,000 home with as little as $1,000 of their own cash.

Because Radcliff shares a zip code with Fort Knox, 40160, military buyers enjoy VA loan benefits that civilian borrowers simply can’t match. Zero down payment, no monthly mortgage insurance, and the seller can pay 100 % of closing costs up to 4 % of the sales price. NMHL’s VA team includes two retired Army NCOs who understand PCS timelines and can issue a pre-approval letter in two hours—critical when you’re competing with other service-members.

Funding-fee exemptions expanded in 2023: Purple Heart recipients, active-duty receiving hostile-fire pay, and veterans with a 10 % VA disability all qualify for 0 % funding fee. Radcliff’s median 2024 VA loan was $192,400 with a 6.5 % note rate after a 2-1 buydown paid by the seller. Appraisal turnaround is five business days because our staff appraiser drives Hardin County weekly.

If you already used your entitlement on a duty-station purchase elsewhere, NMHL can calculate remaining second-tier entitlement so you can keep the first home as a rental and still put $0 down on the Radcliff property.

Radcliff’s affordable price points make it the perfect city to rebound into homeownership even after a bankruptcy or foreclosure. NMHL accepts Chapter 7 discharge dates as recent as 24 months ago with re-established credit and 12 months of on-time rent history documented by canceled checks or Zelle receipts.

FHA Manual Underwrite – We go to 580 with debt-to-income up to 40/50 % if you have two months of reserves and no late payments in the past 12 months. Recent client: 593 score, $72K income, approved at $179,900 with 3.5 % down.

Fresh-Start Non-QM – Bank statements, 20 % down, scores to 540. Rates start at 8.25 %, but after 18 months of on-time payments we refinance you into an FHA streamline or conventional at no cost.

CreditX Remodel Loan – Fund purchase and renovation in one loan, 15 % down, 580 minimum. Perfect for those $120K fixer ranches on South Wilson.

Before you apply, NMHL pulls a tri-merge simulator to show exactly which three actions will raise your score the quickest—usually paying down revolving balances to under 30 % and removing old collections under $500.