Ballard County, Kentucky home prices
Typical home $137,331 · -6.2% in a year · property tax 0.73%
The typical home in Ballard County is worth $137,331, 41% less than the Kentucky typical home ($230,909). Values changed -6.2% in the past year and +20.8% over five years. Homeowners here pay a median 0.73% of their home's value in property tax each year ($1,003 on the typical home), versus 0.72% statewide.
Mortgage on the typical Ballard County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $27,466 | $109,865 | $739 | $0 | $152 | $891 | $38,200 |
| 10% down | $13,733 | $123,598 | $831 | $51 | $152 | $1,035 | $44,400 |
| 5% down | $6,867 | $130,464 | $878 | $54 | $152 | $1,084 | $46,500 |
| 3.5% down (FHA) | $4,807 | $134,843 | $907 | $61 | $152 | $1,120 | $48,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.73% 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 · part of the Paducah metro area.
Kentucky counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Boyd County | $137,372 | -3.3% | 0.88% |
| Johnson County | $137,636 | -6.0% | 0.66% |
| Webster County | $136,688 | +4.8% | 0.88% |
| Trigg County | $136,493 | -24.4% | 0.56% |
| Wolfe County | $135,993 | +2.5% | 0.55% |
| Crittenden County | $135,920 | -9.4% | 0.57% |
| Whitley County | $140,626 | -10.7% | 0.64% |
| Hickman County | $133,731 | -4.2% | 0.67% |
| Rockcastle County | $141,697 | -11.3% | 0.48% |
| Knox County | $132,932 | -3.7% | 0.66% |
Frequently asked questions
What is the average home price in Ballard County, KY?
The typical home value in Ballard County is $137,331 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Ballard County?
About $38,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Ballard County?
The median effective rate is 0.73% of home value a year (Census ACS 2024 5-year estimates).