Lincoln County, Kentucky home prices
Typical home $198,151 · -2.9% in a year · property tax 0.72%
The typical home in Lincoln County is worth $198,151, 14% less than the Kentucky typical home ($230,909). Values changed -2.9% in the past year and +29.9% over five years. Homeowners here pay a median 0.72% of their home's value in property tax each year ($1,434 on the typical home), versus 0.72% statewide.
Mortgage on the typical Lincoln County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $39,630 | $158,521 | $1,066 | $0 | $219 | $1,285 | $55,100 |
| 10% down | $19,815 | $178,336 | $1,200 | $74 | $219 | $1,493 | $64,000 |
| 5% down | $9,908 | $188,244 | $1,266 | $78 | $219 | $1,563 | $67,000 |
| 3.5% down (FHA) | $6,935 | $194,562 | $1,309 | $88 | $219 | $1,615 | $69,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.72% 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 Danville metro area.
Kentucky counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Bracken County | $198,166 | +8.5% | 0.92% |
| Logan County | $199,531 | -1.5% | 0.61% |
| Nicholas County | $199,680 | -1.2% | 0.59% |
| Marshall County | $199,749 | -4.4% | 0.72% |
| McCracken County | $194,592 | -1.2% | 0.75% |
| Christian County | $201,897 | +0.2% | 0.65% |
| Henderson County | $202,313 | +2.1% | 0.9% |
| Robertson County | $202,585 | +3.7% | 0.54% |
| Hancock County | $204,748 | +6.2% | 0.66% |
| Edmonson County | $191,239 | +1.4% | 0.55% |
Frequently asked questions
What is the average home price in Lincoln County, KY?
The typical home value in Lincoln County is $198,151 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Lincoln County?
About $55,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Lincoln County?
The median effective rate is 0.72% of home value a year (Census ACS 2024 5-year estimates).