Carroll County, Kentucky home prices
Typical home $181,740 · -3.3% in a year · property tax 0.76%
The typical home in Carroll County is worth $181,740, 21% less than the Kentucky typical home ($230,909). Values changed -3.3% in the past year and +36.7% over five years. Homeowners here pay a median 0.76% of their home's value in property tax each year ($1,380 on the typical home), versus 0.72% statewide.
Mortgage on the typical Carroll County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $36,348 | $145,392 | $978 | $0 | $206 | $1,184 | $50,700 |
| 10% down | $18,174 | $163,566 | $1,100 | $68 | $206 | $1,374 | $58,900 |
| 5% down | $9,087 | $172,653 | $1,161 | $72 | $206 | $1,439 | $61,700 |
| 3.5% down (FHA) | $6,361 | $178,448 | $1,200 | $80 | $206 | $1,487 | $63,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.76% 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 |
|---|---|---|---|
| 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% |
| Lyon County | $179,125 | -8.4% | 0.63% |
| Hart County | $184,885 | -0.1% | 0.66% |
| Laurel County | $185,139 | -1.5% | 0.57% |
| Graves County | $175,799 | +0.4% | 0.66% |
| Bath County | $187,830 | +2.8% | 0.65% |
| Calloway County | $175,394 | -13.3% | 0.65% |
Frequently asked questions
What is the average home price in Carroll County, KY?
The typical home value in Carroll County is $181,740 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Carroll County?
About $50,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Carroll County?
The median effective rate is 0.76% of home value a year (Census ACS 2024 5-year estimates).