Jackson County, Kentucky home prices
Typical home $116,937 · -20.1% in a year · property tax 0.62%
The typical home in Jackson County is worth $116,937, 49% less than the Kentucky typical home ($230,909). Values changed -20.1% in the past year and -24.8% over five years. Homeowners here pay a median 0.62% of their home's value in property tax each year ($720 on the typical home), versus 0.72% statewide.
Mortgage on the typical Jackson County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $23,387 | $93,549 | $629 | $0 | $119 | $748 | $32,000 |
| 10% down | $11,694 | $105,243 | $708 | $44 | $119 | $870 | $37,300 |
| 5% down | $5,847 | $111,090 | $747 | $46 | $119 | $912 | $39,100 |
| 3.5% down (FHA) | $4,093 | $114,818 | $772 | $52 | $119 | $943 | $40,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.62% 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 |
|---|---|---|---|
| Magoffin County | $115,980 | -21.3% | 0.78% |
| Lewis County | $112,742 | -5.8% | 0.64% |
| Estill County | $111,861 | -8.9% | 0.67% |
| Owsley County | $123,470 | -6.0% | 0.71% |
| Clay County | $107,909 | -10.7% | 0.7% |
| Lee County | $127,427 | -10.8% | 0.84% |
| Muhlenberg County | $128,119 | -10.6% | 0.62% |
| Menifee County | $128,716 | -14.5% | 0.51% |
| Morgan County | $131,976 | -11.4% | 0.66% |
| Martin County | $101,271 | -11.7% | 0.82% |
Frequently asked questions
What is the average home price in Jackson County, KY?
The typical home value in Jackson County is $116,937 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Jackson County?
About $32,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Jackson County?
The median effective rate is 0.62% of home value a year (Census ACS 2024 5-year estimates).