Gallatin County, Kentucky home prices
Typical home $208,363 · +2.5% in a year · property tax 0.83%
The typical home in Gallatin County is worth $208,363, 10% less than the Kentucky typical home ($230,909). Values changed +2.5% in the past year and +27.1% over five years. Homeowners here pay a median 0.83% of their home's value in property tax each year ($1,726 on the typical home), versus 0.72% statewide.
Mortgage on the typical Gallatin County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $41,673 | $166,691 | $1,121 | $0 | $248 | $1,369 | $58,700 |
| 10% down | $20,836 | $187,527 | $1,262 | $78 | $248 | $1,588 | $68,000 |
| 5% down | $10,418 | $197,945 | $1,332 | $82 | $248 | $1,662 | $71,200 |
| 3.5% down (FHA) | $7,293 | $204,589 | $1,376 | $92 | $248 | $1,716 | $73,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.83% 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 Cincinnati metro area.
Kentucky counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Allen County | $210,569 | -5.4% | 0.54% |
| Hancock County | $204,748 | +6.2% | 0.66% |
| Taylor County | $212,471 | -0.2% | 0.69% |
| Barren County | $213,505 | -1.8% | 0.68% |
| Robertson County | $202,585 | +3.7% | 0.54% |
| Henderson County | $202,313 | +2.1% | 0.9% |
| Christian County | $201,897 | +0.2% | 0.65% |
| Marshall County | $199,749 | -4.4% | 0.72% |
| Nicholas County | $199,680 | -1.2% | 0.59% |
| Logan County | $199,531 | -1.5% | 0.61% |
Frequently asked questions
What is the average home price in Gallatin County, KY?
The typical home value in Gallatin County is $208,363 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Gallatin County?
About $58,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Gallatin County?
The median effective rate is 0.83% of home value a year (Census ACS 2024 5-year estimates).