Bell County, Kentucky home prices
Typical home $99,031 · -13.0% in a year · property tax 0.81%
The typical home in Bell County is worth $99,031, 57% less than the Kentucky typical home ($230,909). Values changed -13.0% in the past year and -21.7% over five years. Homeowners here pay a median 0.81% of their home's value in property tax each year ($804 on the typical home), versus 0.72% statewide.
Mortgage on the typical Bell County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $19,806 | $79,225 | $533 | $0 | $117 | $650 | $27,800 |
| 10% down | $9,903 | $89,128 | $600 | $37 | $117 | $753 | $32,300 |
| 5% down | $4,952 | $94,080 | $633 | $39 | $117 | $789 | $33,800 |
| 3.5% down (FHA) | $3,466 | $97,237 | $654 | $44 | $117 | $814 | $34,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.81% 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 Middlesborough metro area.
Kentucky counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Perry County | $100,008 | -5.4% | 0.7% |
| McCreary County | $97,501 | -10.5% | 0.65% |
| Martin County | $101,271 | -11.7% | 0.82% |
| Pike County | $96,689 | -8.6% | 0.69% |
| Clay County | $107,909 | -10.7% | 0.7% |
| Floyd County | $87,003 | -16.9% | 0.76% |
| Fulton County | $86,561 | -6.8% | 0.8% |
| Estill County | $111,861 | -8.9% | 0.67% |
| Lewis County | $112,742 | -5.8% | 0.64% |
| Magoffin County | $115,980 | -21.3% | 0.78% |
Frequently asked questions
What is the average home price in Bell County, KY?
The typical home value in Bell County is $99,031 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Bell County?
About $27,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Bell County?
The median effective rate is 0.81% of home value a year (Census ACS 2024 5-year estimates).