Caldwell County, Kentucky home prices
Typical home $149,902 · -6.6% in a year · property tax 0.54%
The typical home in Caldwell County is worth $149,902, 35% less than the Kentucky typical home ($230,909). Values changed -6.6% in the past year and +17.9% over five years. Homeowners here pay a median 0.54% of their home's value in property tax each year ($813 on the typical home), versus 0.72% statewide.
Mortgage on the typical Caldwell County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $29,980 | $119,922 | $807 | $0 | $143 | $949 | $40,700 |
| 10% down | $14,990 | $134,912 | $908 | $56 | $143 | $1,107 | $47,400 |
| 5% down | $7,495 | $142,407 | $958 | $59 | $143 | $1,160 | $49,700 |
| 3.5% down (FHA) | $5,247 | $147,187 | $990 | $66 | $143 | $1,199 | $51,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.54% 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 |
|---|---|---|---|
| Elliott County | $148,498 | -4.8% | 0.61% |
| Monroe County | $147,639 | +5.2% | 0.77% |
| Cumberland County | $152,713 | -6.0% | 0.54% |
| Russell County | $152,730 | -5.0% | 0.57% |
| Clinton County | $146,215 | -10.3% | 0.52% |
| Powell County | $145,749 | -8.1% | 0.62% |
| Lawrence County | $145,613 | -1.2% | 0.71% |
| Carlisle County | $145,507 | +0.2% | 0.78% |
| Ohio County | $144,841 | -5.7% | 0.62% |
| Carter County | $155,872 | -5.6% | 0.49% |
Frequently asked questions
What is the average home price in Caldwell County, KY?
The typical home value in Caldwell County is $149,902 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Caldwell County?
About $40,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Caldwell County?
The median effective rate is 0.54% of home value a year (Census ACS 2024 5-year estimates).