Bath County, Kentucky home prices
Typical home $187,830 · +2.8% in a year · property tax 0.65%
The typical home in Bath County is worth $187,830, 19% less than the Kentucky typical home ($230,909). Values changed +2.8% in the past year and +40.6% over five years. Homeowners here pay a median 0.65% of their home's value in property tax each year ($1,230 on the typical home), versus 0.72% statewide.
Mortgage on the typical Bath County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $37,566 | $150,264 | $1,011 | $0 | $196 | $1,207 | $51,700 |
| 10% down | $18,783 | $169,047 | $1,137 | $70 | $196 | $1,404 | $60,200 |
| 5% down | $9,391 | $178,438 | $1,200 | $74 | $196 | $1,471 | $63,000 |
| 3.5% down (FHA) | $6,574 | $184,427 | $1,241 | $83 | $196 | $1,520 | $65,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.65% 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 Mount Sterling metro area.
Kentucky counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Laurel County | $185,139 | -1.5% | 0.57% |
| Hart County | $184,885 | -0.1% | 0.66% |
| Rowan County | $191,109 | -1.0% | 0.55% |
| Edmonson County | $191,239 | +1.4% | 0.55% |
| Carroll County | $181,740 | -3.3% | 0.76% |
| McCracken County | $194,592 | -1.2% | 0.75% |
| Pulaski County | $180,412 | -1.3% | 0.63% |
| Fleming County | $179,466 | +1.2% | 0.64% |
| Owen County | $179,321 | -4.1% | 0.72% |
| Green County | $179,312 | +4.4% | 0.65% |
Frequently asked questions
What is the average home price in Bath County, KY?
The typical home value in Bath County is $187,830 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Bath County?
About $51,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Bath County?
The median effective rate is 0.65% of home value a year (Census ACS 2024 5-year estimates).