Estill County, Kentucky home prices
Typical home $111,861 · -8.9% in a year · property tax 0.67%
The typical home in Estill County is worth $111,861, 52% less than the Kentucky typical home ($230,909). Values changed -8.9% in the past year and -1.3% over five years. Homeowners here pay a median 0.67% of their home's value in property tax each year ($748 on the typical home), versus 0.72% statewide.
Mortgage on the typical Estill County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $22,372 | $89,489 | $602 | $0 | $118 | $720 | $30,900 |
| 10% down | $11,186 | $100,675 | $677 | $42 | $118 | $837 | $35,900 |
| 5% down | $5,593 | $106,268 | $715 | $44 | $118 | $877 | $37,600 |
| 3.5% down (FHA) | $3,915 | $109,835 | $739 | $49 | $118 | $907 | $38,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.67% 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 Richmond metro area.
Kentucky counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Lewis County | $112,742 | -5.8% | 0.64% |
| Clay County | $107,909 | -10.7% | 0.7% |
| Magoffin County | $115,980 | -21.3% | 0.78% |
| Jackson County | $116,937 | -20.1% | 0.62% |
| Martin County | $101,271 | -11.7% | 0.82% |
| Owsley County | $123,470 | -6.0% | 0.71% |
| Perry County | $100,008 | -5.4% | 0.7% |
| Bell County | $99,031 | -13.0% | 0.81% |
| McCreary County | $97,501 | -10.5% | 0.65% |
| Pike County | $96,689 | -8.6% | 0.69% |
Frequently asked questions
What is the average home price in Estill County, KY?
The typical home value in Estill County is $111,861 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Estill County?
About $30,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Estill County?
The median effective rate is 0.67% of home value a year (Census ACS 2024 5-year estimates).