Nancy, Kentucky Short-Term Rental Market
Nancy short-term rentals averaged $219 per night at 56.9% occupancy in June 2026 across 8,451 tracked listings.
Quick Answer: Nancy, Kentucky is an active short-term rental market. average occupancy is 57%. average monthly revenue is $3,402. average daily rate is $219. the top operator is Evolve with 344 listings. market score is 89/100 (grade A).
Market data reflects the Kentucky Area regional market, which includes Nancy. Regulations, taxes, and permit details below are specific to Nancy.
Market Score Breakdown
Five dimensions Apivex evaluates per market.
Market Overview
The Nancy, KY short-term rental market includes 8,451 active listings tracked across Airbnb and Vrbo in this Lake Cumberland-area market. In June 2026, the average daily rate was $219.40 with occupancy at 56.9%, producing average monthly revenue of $3,401.50 per listing. Occupancy is essentially flat year over year (up 0.08 points), ADR is down slightly (0.48%), and average revenue per listing is up 3.16% year over year.
The market is dominated by entire-place rentals: 7,999 of the 8,451 total listings (94.7%) are entire-place, private rooms make up 449 (5.3%), and shared rooms are rare at just 3 listings. Bedroom count is fairly evenly spread among smaller units, with 2-bedroom the largest bucket at 2,493 listings, followed by 1-bedroom at 2,293, 3-bedroom at 2,234, 4-bedroom at 859, and 5-bedroom-plus the smallest segment at 566. By booking channel, 3,945 listings are Airbnb-only, 3,693 appear on both Airbnb and Vrbo, and 813 are Vrbo-only.
Nancy is a small unincorporated community in Pulaski County, Kentucky, population 5,053, on the western shore of Lake Cumberland, roughly 8 miles west of Somerset. Tourism here is overwhelmingly recreational and lake-driven: Lake Cumberland draws an estimated 4 million recreational visitors per year across the broader region, more than Yellowstone, though that figure spans the lake as a whole rather than Nancy specifically. Nancy is also home to the Mill Springs Battlefield National Monument, adding history-tourism visitation alongside boating, fishing, and watersports traffic. StaySTRA’s market scoring gives this area a very strong investability score of 97.75 and total score of 88.85.
Seasonal Patterns
| Month | Occupancy | ADR | Revenue |
|---|---|---|---|
| Jan | 34% | $123 | $1,328 |
| Feb | 44% | $124 | $1,370 |
| Mar | 53% | $144 | $1,926 |
| Apr | 51% | $154 | $2,093 |
| May | 51% | $167 | $2,231 |
| Jun | 60% | $191 | $3,023 |
| Jul | 63% | $190 | $3,314 |
| Aug | 52% | $179 | $2,618 |
| Sep | 47% | $166 | $2,150 |
| Oct | 51% | $161 | $2,335 |
| Nov | 45% | $150 | $1,903 |
| Dec | 41% | $143 | $1,732 |
Top Short-Term Rental Operators in Nancy
Ranked by total active listings. Useful for understanding the competitive landscape.
| # | Operator | Listings | Reviews | Rating |
|---|---|---|---|---|
| 1 | Evolve | 344 | 14,456 | ★ 4.76 |
| 2 | Green Turtle Bay Resort | 85 | 274 | ★ 4.73 |
| 3 | Neat Suites | 41 | 1,165 | ★ 4.81 |
| 4 | Lyric | 39 | 3,002 | ★ 4.81 |
| 5 | Lake Cumberland Resort III | 30 | 902 | ★ 4.66 |
What Kind of STR Should I Buy in Nancy?
Revenue and pricing by property type, tier, and bedroom count.
Revenue by Bedroom Count
| 1 bed | 2,293 |
| 2 bed | 2,493 |
| 3 bed | 2,234 |
| 4 bed | 859 |
| 5 bed | 566 |
ADR by Property Tier
| Entire Home | $223 |
| Luxury | $371 |
| Professionally Managed | $274 |
Revenue by Dwelling Type
| Apartment | $2,372 |
| Entire Place | $3,493 |
| House | $3,797 |
Booking Channel Mix
Distribution of bookings across major STR platforms.
| Channel | Share |
|---|---|
| airbnb | 46.7% |
| vrbo | 9.6% |
| both | 43.7% |
Investment Analysis
ADR varies by listing tier. All-listing average ADR is $219.40, entire-home listings average $223.43, and professionally managed listings command $273.54, a 24.7% premium over the all-listings average. The luxury tier tops out at $370.57 per night, about 1.7x the market average. Average revenue per listing is up 3.16% year over year, a modest but stable gain for a seasonal lake market.
No current Zillow-sourced housing snapshot (typical home value, median sale price, or list price) is available for Nancy in this data set, so a home-price-to-revenue yield comparison cannot be calculated here honestly; that figure should be sourced separately, and buyers should also check individual lakefront property deeds, HOA rules, or lake-area covenants, since Nancy is unincorporated and county zoning does not address STRs specifically. Kentucky has no statewide STR licensing system, and Pulaski County has no dedicated STR-specific zoning ordinance, but operators must register with the Somerset-Pulaski County Convention & Visitors Bureau and obtain a Pulaski County business permit before listing.
Revenue Trend (5 yr)
ADR & Occupancy Trends (5 yr)
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Booking Insights
Average booking lead time is 58.17 days, giving operators roughly two months to adjust pricing ahead of a stay, and typical length of stay is 3.74 nights. This combination is consistent with a planned lake-vacation destination where guests reserve weeks ahead for a multi-night houseboating, fishing, or boating trip on Lake Cumberland. Operators should use the roughly two-month booking window to set advance-purchase pricing for peak summer weeks around the June-July occupancy and ADR peaks, while remaining more flexible with rates during the deep winter trough.
Short-Term Rental Regulations
Nancy is an unincorporated community in Pulaski County, so there is no city-level STR ordinance; regulation is handled at the county and state level and is generally light. Short-term rentals (any rental under 30 consecutive days) are permitted. Owners must register with the Somerset-Pulaski County Convention & Visitors Bureau (Lake Cumberland Tourism) by completing a Transient Room Tax Questionnaire & Registration to receive a transient tax ID number and certificate. A local transient room tax of 3.00% of gross room rentals is collected monthly, due by the 20th of the following month, filed via the online Transient Tax Portal.
Kentucky also imposes a statewide 1% transient room tax plus a 6% state sales tax on accommodations, bringing the combined effective lodging tax to roughly 10% when all layers are counted. Anyone operating a rental business in the county must also obtain a Pulaski County business permit. No owner-occupancy requirement, primary-residence requirement, or annual night cap was found at the county level. There is no dedicated county STR zoning ordinance; standard Pulaski County Planning & Zoning rules apply, and individual lakefront properties may carry deed, HOA, or lake-area covenants that should be verified separately. Enforcement is characterized as minimal and administrative, focused on tax compliance rather than aggressive policing.
Market Comparison
This market’s 56.9% occupancy is close to commonly cited US STR benchmarks (roughly 55% occupancy nationally), and its $219.40 ADR is close to but slightly below the roughly $220 national median, positioning it as a broadly average performer on both metrics despite pronounced summer seasonality.
Property management is led by Evolve with 344 listings (14,456 reviews, 4.76 average rating), about 4.1% of the 8,451 tracked listings. Green Turtle Bay Resort ranks second with 85 listings (274 reviews, 4.73 rating), followed by Neat Suites with 41 listings (4.81 rating), Lyric with 39 listings (the highest rating in the top five at 4.81), and Lake Cumberland Resort III with 30 listings. The top 5 PMs combined control about 6.4% of listings, leaving the large majority of inventory to individual hosts.
Frequently Asked Questions About Nancy, Kentucky
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What is the slowest month for short-term rentals near Nancy, KY?
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What tourism draws does Nancy, KY have beyond Lake Cumberland?
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