How much house can I afford on $100,000 in Kentucky?
About $360,000 with 20% down ($286,000 with an FHA loan), using Kentucky's 0.72% property tax rate.
That is $129,242 more than the typical Kentucky home ($230,909), so a $100,000 salary can buy a typical home here. The payment of $2,333 covers $1,938 principal and interest, $215 property tax and $180 insurance.
Counties in Kentucky you can afford on $100,000
118 of 120 counties have a typical home value at or below $360,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Woodford County | $358,536 | -0.2% | 0.7% |
| Boone County | $350,034 | +2.7% | 0.86% |
| Scott County | $342,459 | +3.8% | 0.66% |
| Fayette County | $330,784 | +3.4% | 0.87% |
| Shelby County | $328,888 | -0.5% | 0.77% |
| Jessamine County | $328,403 | +2.5% | 0.73% |
| Bullitt County | $294,862 | -0.1% | 0.83% |
| Campbell County | $293,229 | +2.9% | 1.01% |
| Kenton County | $286,827 | +2.1% | 0.98% |
| Warren County | $285,184 | +0.2% | 0.65% |
| Madison County | $283,215 | +1.2% | 0.73% |
| Meade County | $278,269 | -0.1% | 0.68% |
| Grant County | $272,511 | +3.1% | 0.68% |
| Nelson County | $264,631 | +3.9% | 0.79% |
| Jefferson County | $264,274 | +1.4% | 0.86% |
| Anderson County | $263,940 | +1.5% | 0.75% |
| Bourbon County | $259,793 | -0.9% | 0.71% |
| Garrard County | $259,741 | +2.4% | 0.69% |
| Washington County | $253,862 | +2.5% | 0.66% |
| Clark County | $253,267 | +4.8% | 0.71% |
| Simpson County | $253,079 | +0.6% | 0.6% |
| Henry County | $250,928 | +2.4% | 0.81% |
| Franklin County | $248,638 | +0.0% | 0.79% |
| Trimble County | $244,183 | +0.8% | 0.66% |
| Harrison County | $243,748 | +0.7% | 0.66% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 0.72% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Kentucky
Frequently asked questions
How much house can I afford on $100,000 in Kentucky?
About $360,000 with 20% down at 7.11%, keeping the payment (with Kentucky's 0.72% property tax and insurance) under $2,333 a month.
Is $100,000 enough to buy a house in Kentucky?
Yes: the typical Kentucky home is worth $230,909 (Zillow, September 2026) and $100,000 supports about $360,000. 118 of 120 counties are within budget.