Adair County, Kentucky home prices
Typical home $161,714 · -11.8% in a year · property tax 0.64%
The typical home in Adair County is worth $161,714, 30% less than the Kentucky typical home ($230,909). Values changed -11.8% in the past year and +9.4% over five years. Homeowners here pay a median 0.64% of their home's value in property tax each year ($1,041 on the typical home), versus 0.72% statewide.
Mortgage on the typical Adair County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $32,343 | $129,371 | $870 | $0 | $168 | $1,038 | $44,500 |
| 10% down | $16,171 | $145,542 | $979 | $61 | $168 | $1,207 | $51,700 |
| 5% down | $8,086 | $153,628 | $1,033 | $64 | $168 | $1,265 | $54,200 |
| 3.5% down (FHA) | $5,660 | $158,785 | $1,068 | $72 | $168 | $1,307 | $56,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.64% 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.
What it takes: see what you can afford by salary in Kentucky.
Kentucky counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| McLean County | $162,236 | -6.8% | 0.64% |
| Wayne County | $163,675 | -2.0% | 0.56% |
| Casey County | $164,379 | -1.4% | 0.6% |
| Greenup County | $158,959 | +1.2% | 0.87% |
| Grayson County | $157,991 | -17.9% | 0.57% |
| Livingston County | $156,725 | -2.2% | 0.61% |
| Carter County | $155,872 | -5.6% | 0.49% |
| Russell County | $152,730 | -5.0% | 0.57% |
| Cumberland County | $152,713 | -6.0% | 0.54% |
| Breckinridge County | $171,657 | +0.1% | 0.58% |
Frequently asked questions
What is the average home price in Adair County, KY?
The typical home value in Adair County is $161,714 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Adair County?
About $44,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Adair County?
The median effective rate is 0.64% of home value a year (Census ACS 2024 5-year estimates).