Fleming County, Kentucky home prices
Typical home $179,466 · +1.2% in a year · property tax 0.64%
The typical home in Fleming County is worth $179,466, 22% less than the Kentucky typical home ($230,909). Values changed +1.2% in the past year and +49.2% over five years. Homeowners here pay a median 0.64% of their home's value in property tax each year ($1,154 on the typical home), versus 0.72% statewide.
Mortgage on the typical Fleming County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $35,893 | $143,573 | $966 | $0 | $186 | $1,152 | $49,400 |
| 10% down | $17,947 | $161,519 | $1,087 | $67 | $186 | $1,340 | $57,400 |
| 5% down | $8,973 | $170,493 | $1,147 | $71 | $186 | $1,404 | $60,200 |
| 3.5% down (FHA) | $6,281 | $176,215 | $1,185 | $79 | $186 | $1,451 | $62,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.64% 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 |
|---|---|---|---|
| Owen County | $179,321 | -4.1% | 0.72% |
| Green County | $179,312 | +4.4% | 0.65% |
| Lyon County | $179,125 | -8.4% | 0.63% |
| Pulaski County | $180,412 | -1.3% | 0.63% |
| Carroll County | $181,740 | -3.3% | 0.76% |
| Graves County | $175,799 | +0.4% | 0.66% |
| Calloway County | $175,394 | -13.3% | 0.65% |
| Metcalfe County | $174,385 | +0.4% | 0.67% |
| Hart County | $184,885 | -0.1% | 0.66% |
| Laurel County | $185,139 | -1.5% | 0.57% |
Frequently asked questions
What is the average home price in Fleming County, KY?
The typical home value in Fleming County is $179,466 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Fleming County?
About $49,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Fleming County?
The median effective rate is 0.64% of home value a year (Census ACS 2024 5-year estimates).