Jefferson County, Kentucky home prices
Typical home $264,274 · +1.4% in a year · property tax 0.86%
The typical home in Jefferson County is worth $264,274, 14% more than the Kentucky typical home ($230,909). Values changed +1.4% in the past year and +21.9% over five years. Homeowners here pay a median 0.86% of their home's value in property tax each year ($2,273 on the typical home), versus 0.72% statewide.
Mortgage on the typical Jefferson County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $52,855 | $211,419 | $1,422 | $0 | $322 | $1,744 | $74,700 |
| 10% down | $26,427 | $237,847 | $1,600 | $99 | $322 | $2,021 | $86,600 |
| 5% down | $13,214 | $251,060 | $1,689 | $105 | $322 | $2,115 | $90,600 |
| 3.5% down (FHA) | $9,250 | $259,487 | $1,746 | $117 | $322 | $2,184 | $93,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.86% 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 |
|---|---|---|---|
| Anderson County | $263,940 | +1.5% | 0.75% |
| Nelson County | $264,631 | +3.9% | 0.79% |
| Bourbon County | $259,793 | -0.9% | 0.71% |
| Garrard County | $259,741 | +2.4% | 0.69% |
| Grant County | $272,511 | +3.1% | 0.68% |
| Washington County | $253,862 | +2.5% | 0.66% |
| Clark County | $253,267 | +4.8% | 0.71% |
| Simpson County | $253,079 | +0.6% | 0.6% |
| Henry County | $250,928 | +2.4% | 0.81% |
| Meade County | $278,269 | -0.1% | 0.68% |
Frequently asked questions
What is the average home price in Jefferson County, KY?
The typical home value in Jefferson County is $264,274 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Jefferson County?
About $74,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Jefferson County?
The median effective rate is 0.86% of home value a year (Census ACS 2024 5-year estimates).