Carter County, Kentucky home prices
Typical home $155,872 · -5.6% in a year · property tax 0.49%
The typical home in Carter County is worth $155,872, 32% less than the Kentucky typical home ($230,909). Values changed -5.6% in the past year and +28.0% over five years. Homeowners here pay a median 0.49% of their home's value in property tax each year ($762 on the typical home), versus 0.72% statewide.
Mortgage on the typical Carter County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $31,174 | $124,698 | $839 | $0 | $141 | $980 | $42,000 |
| 10% down | $15,587 | $140,285 | $944 | $58 | $141 | $1,144 | $49,000 |
| 5% down | $7,794 | $148,078 | $996 | $62 | $141 | $1,199 | $51,400 |
| 3.5% down (FHA) | $5,456 | $153,049 | $1,030 | $69 | $141 | $1,240 | $53,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.49% 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 Huntington metro area.
Kentucky counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Livingston County | $156,725 | -2.2% | 0.61% |
| Grayson County | $157,991 | -17.9% | 0.57% |
| Greenup County | $158,959 | +1.2% | 0.87% |
| Russell County | $152,730 | -5.0% | 0.57% |
| Cumberland County | $152,713 | -6.0% | 0.54% |
| Adair County | $161,714 | -11.8% | 0.64% |
| Caldwell County | $149,902 | -6.6% | 0.54% |
| McLean County | $162,236 | -6.8% | 0.64% |
| Elliott County | $148,498 | -4.8% | 0.61% |
| Wayne County | $163,675 | -2.0% | 0.56% |
Frequently asked questions
What is the average home price in Carter County, KY?
The typical home value in Carter County is $155,872 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Carter County?
About $42,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Carter County?
The median effective rate is 0.49% of home value a year (Census ACS 2024 5-year estimates).