Larue County, Kentucky home prices
Typical home $228,831 · -5.6% in a year · property tax 0.6%
The typical home in Larue County is worth $228,831, about the same as the Kentucky typical home ($230,909). Values changed -5.6% in the past year and +27.3% over five years. Homeowners here pay a median 0.6% of their home's value in property tax each year ($1,377 on the typical home), versus 0.72% statewide.
Mortgage on the typical Larue County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $45,766 | $183,065 | $1,231 | $0 | $229 | $1,461 | $62,600 |
| 10% down | $22,883 | $205,948 | $1,385 | $86 | $229 | $1,700 | $72,900 |
| 5% down | $11,442 | $217,390 | $1,462 | $91 | $229 | $1,782 | $76,400 |
| 3.5% down (FHA) | $8,009 | $224,687 | $1,511 | $101 | $229 | $1,842 | $78,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.6% 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 Elizabethtown metro area.
Kentucky counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Marion County | $230,024 | +1.4% | 0.69% |
| Montgomery County | $226,199 | +4.3% | 0.73% |
| Todd County | $225,991 | -2.6% | 0.55% |
| Pendleton County | $237,230 | +3.5% | 0.8% |
| Daviess County | $219,193 | +4.0% | 0.84% |
| Boyle County | $240,277 | +0.8% | 0.82% |
| Mercer County | $241,303 | -0.5% | 0.83% |
| Hardin County | $243,023 | -3.1% | 0.66% |
| Harrison County | $243,748 | +0.7% | 0.66% |
| Barren County | $213,505 | -1.8% | 0.68% |
Frequently asked questions
What is the average home price in Larue County, KY?
The typical home value in Larue County is $228,831 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Larue County?
About $62,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Larue County?
The median effective rate is 0.6% of home value a year (Census ACS 2024 5-year estimates).