Breckinridge County, Kentucky home prices
Typical home $171,657 · +0.1% in a year · property tax 0.58%
The typical home in Breckinridge County is worth $171,657, 26% less than the Kentucky typical home ($230,909). Values changed +0.1% in the past year and +21.0% over five years. Homeowners here pay a median 0.58% of their home's value in property tax each year ($1,003 on the typical home), versus 0.72% statewide.
Mortgage on the typical Breckinridge County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $34,331 | $137,325 | $924 | $0 | $169 | $1,093 | $46,900 |
| 10% down | $17,166 | $154,491 | $1,039 | $64 | $169 | $1,273 | $54,600 |
| 5% down | $8,583 | $163,074 | $1,097 | $68 | $169 | $1,334 | $57,200 |
| 3.5% down (FHA) | $6,008 | $168,548 | $1,134 | $76 | $169 | $1,379 | $59,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.58% 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 |
|---|---|---|---|
| Mason County | $173,307 | -0.8% | 0.65% |
| Butler County | $173,754 | -9.1% | 0.58% |
| Metcalfe County | $174,385 | +0.4% | 0.67% |
| Calloway County | $175,394 | -13.3% | 0.65% |
| Graves County | $175,799 | +0.4% | 0.66% |
| Casey County | $164,379 | -1.4% | 0.6% |
| Lyon County | $179,125 | -8.4% | 0.63% |
| Green County | $179,312 | +4.4% | 0.65% |
| Owen County | $179,321 | -4.1% | 0.72% |
| Fleming County | $179,466 | +1.2% | 0.64% |
Frequently asked questions
What is the average home price in Breckinridge County, KY?
The typical home value in Breckinridge County is $171,657 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Breckinridge County?
About $46,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Breckinridge County?
The median effective rate is 0.58% of home value a year (Census ACS 2024 5-year estimates).