Floyd County, Kentucky home prices
Typical home $87,003 · -16.9% in a year · property tax 0.76%
The typical home in Floyd County is worth $87,003, 62% less than the Kentucky typical home ($230,909). Values changed -16.9% in the past year and -18.4% over five years. Homeowners here pay a median 0.76% of their home's value in property tax each year ($659 on the typical home), versus 0.72% statewide.
Mortgage on the typical Floyd County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $17,401 | $69,602 | $468 | $0 | $98 | $567 | $24,300 |
| 10% down | $8,700 | $78,303 | $527 | $33 | $98 | $658 | $28,200 |
| 5% down | $4,350 | $82,653 | $556 | $34 | $98 | $689 | $29,500 |
| 3.5% down (FHA) | $3,045 | $85,427 | $575 | $38 | $98 | $712 | $30,500 |
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 |
|---|---|---|---|
| Fulton County | $86,561 | -6.8% | 0.8% |
| Pike County | $96,689 | -8.6% | 0.69% |
| Leslie County | $76,825 | -13.7% | 0.82% |
| McCreary County | $97,501 | -10.5% | 0.65% |
| Harlan County | $76,340 | -7.0% | 0.99% |
| Bell County | $99,031 | -13.0% | 0.81% |
| Perry County | $100,008 | -5.4% | 0.7% |
| Martin County | $101,271 | -11.7% | 0.82% |
| Breathitt County | $70,861 | -20.4% | 0.73% |
| Clay County | $107,909 | -10.7% | 0.7% |
Frequently asked questions
What is the average home price in Floyd County, KY?
The typical home value in Floyd County is $87,003 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Floyd County?
About $24,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Floyd County?
The median effective rate is 0.76% of home value a year (Census ACS 2024 5-year estimates).