Clark County, Kentucky home prices
Typical home $253,267 · +4.8% in a year · property tax 0.71%
The typical home in Clark County is worth $253,267, 10% more than the Kentucky typical home ($230,909). Values changed +4.8% in the past year and +39.7% over five years. Homeowners here pay a median 0.71% of their home's value in property tax each year ($1,786 on the typical home), versus 0.72% statewide.
Mortgage on the typical Clark County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $50,653 | $202,613 | $1,363 | $0 | $275 | $1,638 | $70,200 |
| 10% down | $25,327 | $227,940 | $1,533 | $95 | $275 | $1,904 | $81,600 |
| 5% down | $12,663 | $240,603 | $1,619 | $100 | $275 | $1,994 | $85,500 |
| 3.5% down (FHA) | $8,864 | $248,679 | $1,673 | $112 | $275 | $2,060 | $88,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.71% 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 Lexington metro area.
Kentucky counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Simpson County | $253,079 | +0.6% | 0.6% |
| Washington County | $253,862 | +2.5% | 0.66% |
| Henry County | $250,928 | +2.4% | 0.81% |
| Franklin County | $248,638 | +0.0% | 0.79% |
| Garrard County | $259,741 | +2.4% | 0.69% |
| Bourbon County | $259,793 | -0.9% | 0.71% |
| Trimble County | $244,183 | +0.8% | 0.66% |
| Harrison County | $243,748 | +0.7% | 0.66% |
| Hardin County | $243,023 | -3.1% | 0.66% |
| Anderson County | $263,940 | +1.5% | 0.75% |
Frequently asked questions
What is the average home price in Clark County, KY?
The typical home value in Clark County is $253,267 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Clark County?
About $70,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Clark County?
The median effective rate is 0.71% of home value a year (Census ACS 2024 5-year estimates).