How much house can I afford on $70,000 in Kentucky?
About $252,000 with 20% down ($201,000 with an FHA loan), using Kentucky's 0.72% property tax rate.
That is $21,197 more than the typical Kentucky home ($230,909), so a $70,000 salary can buy a typical home here. The payment of $1,633 covers $1,357 principal and interest, $151 property tax and $126 insurance.
Counties in Kentucky you can afford on $70,000
97 of 120 counties have a typical home value at or below $252,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| 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% |
| Hardin County | $243,023 | -3.1% | 0.66% |
| Mercer County | $241,303 | -0.5% | 0.83% |
| Boyle County | $240,277 | +0.8% | 0.82% |
| Pendleton County | $237,230 | +3.5% | 0.8% |
| Marion County | $230,024 | +1.4% | 0.69% |
| Larue County | $228,831 | -5.6% | 0.6% |
| Montgomery County | $226,199 | +4.3% | 0.73% |
| Todd County | $225,991 | -2.6% | 0.55% |
| Daviess County | $219,193 | +4.0% | 0.84% |
| Barren County | $213,505 | -1.8% | 0.68% |
| Taylor County | $212,471 | -0.2% | 0.69% |
| Allen County | $210,569 | -5.4% | 0.54% |
| Gallatin County | $208,363 | +2.5% | 0.83% |
| Hancock County | $204,748 | +6.2% | 0.66% |
| Robertson County | $202,585 | +3.7% | 0.54% |
| Henderson County | $202,313 | +2.1% | 0.9% |
| Christian County | $201,897 | +0.2% | 0.65% |
| Marshall County | $199,749 | -4.4% | 0.72% |
| Nicholas County | $199,680 | -1.2% | 0.59% |
| Logan County | $199,531 | -1.5% | 0.61% |
| Bracken County | $198,166 | +8.5% | 0.92% |
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 $70,000 in Kentucky?
About $252,000 with 20% down at 7.11%, keeping the payment (with Kentucky's 0.72% property tax and insurance) under $1,633 a month.
Is $70,000 enough to buy a house in Kentucky?
Yes: the typical Kentucky home is worth $230,909 (Zillow, September 2026) and $70,000 supports about $252,000. 97 of 120 counties are within budget.