Breathitt County, Kentucky home prices
Typical home $70,861 · -20.4% in a year · property tax 0.73%
The typical home in Breathitt County is worth $70,861, 69% less than the Kentucky typical home ($230,909). Values changed -20.4% in the past year and -9.3% over five years. Homeowners here pay a median 0.73% of their home's value in property tax each year ($514 on the typical home), versus 0.72% statewide.
Mortgage on the typical Breathitt County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $14,172 | $56,689 | $381 | $0 | $78 | $460 | $19,700 |
| 10% down | $7,086 | $63,775 | $429 | $27 | $78 | $534 | $22,900 |
| 5% down | $3,543 | $67,318 | $453 | $28 | $78 | $559 | $24,000 |
| 3.5% down (FHA) | $2,480 | $69,577 | $468 | $31 | $78 | $578 | $24,800 |
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.
Kentucky counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Harlan County | $76,340 | -7.0% | 0.99% |
| Leslie County | $76,825 | -13.7% | 0.82% |
| Knott County | $61,734 | -19.0% | 0.74% |
| Letcher County | $58,973 | -16.5% | 0.96% |
| Fulton County | $86,561 | -6.8% | 0.8% |
| Floyd County | $87,003 | -16.9% | 0.76% |
| Pike County | $96,689 | -8.6% | 0.69% |
| McCreary County | $97,501 | -10.5% | 0.65% |
| Bell County | $99,031 | -13.0% | 0.81% |
| Perry County | $100,008 | -5.4% | 0.7% |
Frequently asked questions
What is the average home price in Breathitt County, KY?
The typical home value in Breathitt County is $70,861 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Breathitt County?
About $19,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Breathitt County?
The median effective rate is 0.73% of home value a year (Census ACS 2024 5-year estimates).