Laurel County, Kentucky home prices
Typical home $185,139 · -1.5% in a year · property tax 0.57%
The typical home in Laurel County is worth $185,139, 20% less than the Kentucky typical home ($230,909). Values changed -1.5% in the past year and +26.8% over five years. Homeowners here pay a median 0.57% of their home's value in property tax each year ($1,052 on the typical home), versus 0.72% statewide.
Mortgage on the typical Laurel County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $37,028 | $148,111 | $996 | $0 | $180 | $1,177 | $50,400 |
| 10% down | $18,514 | $166,625 | $1,121 | $69 | $180 | $1,371 | $58,700 |
| 5% down | $9,257 | $175,882 | $1,183 | $73 | $180 | $1,437 | $61,600 |
| 3.5% down (FHA) | $6,480 | $181,785 | $1,223 | $82 | $180 | $1,485 | $63,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.57% 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 London metro area.
Kentucky counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Hart County | $184,885 | -0.1% | 0.66% |
| Bath County | $187,830 | +2.8% | 0.65% |
| Carroll County | $181,740 | -3.3% | 0.76% |
| Pulaski County | $180,412 | -1.3% | 0.63% |
| Fleming County | $179,466 | +1.2% | 0.64% |
| Owen County | $179,321 | -4.1% | 0.72% |
| Green County | $179,312 | +4.4% | 0.65% |
| Rowan County | $191,109 | -1.0% | 0.55% |
| Lyon County | $179,125 | -8.4% | 0.63% |
| Edmonson County | $191,239 | +1.4% | 0.55% |
Frequently asked questions
What is the average home price in Laurel County, KY?
The typical home value in Laurel County is $185,139 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Laurel County?
About $50,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Laurel County?
The median effective rate is 0.57% of home value a year (Census ACS 2024 5-year estimates).