Harlan County, Kentucky home prices
Typical home $76,340 · -7.0% in a year · property tax 0.99%
The typical home in Harlan County is worth $76,340, 67% less than the Kentucky typical home ($230,909). Values changed -7.0% in the past year and +35.5% over five years. Homeowners here pay a median 0.99% of their home's value in property tax each year ($758 on the typical home), versus 0.72% statewide.
Mortgage on the typical Harlan County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $15,268 | $61,072 | $411 | $0 | $101 | $512 | $22,000 |
| 10% down | $7,634 | $68,706 | $462 | $29 | $101 | $592 | $25,400 |
| 5% down | $3,817 | $72,523 | $488 | $30 | $101 | $619 | $26,500 |
| 3.5% down (FHA) | $2,672 | $74,957 | $504 | $34 | $101 | $639 | $27,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.99% 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 |
|---|---|---|---|
| Leslie County | $76,825 | -13.7% | 0.82% |
| Breathitt County | $70,861 | -20.4% | 0.73% |
| Fulton County | $86,561 | -6.8% | 0.8% |
| Floyd County | $87,003 | -16.9% | 0.76% |
| Knott County | $61,734 | -19.0% | 0.74% |
| Letcher County | $58,973 | -16.5% | 0.96% |
| Pike County | $96,689 | -8.6% | 0.69% |
| McCreary County | $97,501 | -10.5% | 0.65% |
| Bell County | $99,031 | -13.0% | 0.81% |
| Perry County | $100,008 | -5.4% | 0.7% |
Frequently asked questions
What is the average home price in Harlan County, KY?
The typical home value in Harlan County is $76,340 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Harlan County?
About $22,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Harlan County?
The median effective rate is 0.99% of home value a year (Census ACS 2024 5-year estimates).