Livingston County, Kentucky home prices
Typical home $156,725 · -2.2% in a year · property tax 0.61%
The typical home in Livingston County is worth $156,725, 32% less than the Kentucky typical home ($230,909). Values changed -2.2% in the past year and +29.5% over five years. Homeowners here pay a median 0.61% of their home's value in property tax each year ($961 on the typical home), versus 0.72% statewide.
Mortgage on the typical Livingston County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $31,345 | $125,380 | $843 | $0 | $158 | $1,002 | $42,900 |
| 10% down | $15,673 | $141,053 | $949 | $59 | $158 | $1,166 | $50,000 |
| 5% down | $7,836 | $148,889 | $1,002 | $62 | $158 | $1,222 | $52,400 |
| 3.5% down (FHA) | $5,485 | $153,886 | $1,035 | $69 | $158 | $1,263 | $54,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.61% 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 Paducah metro area.
Kentucky counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Carter County | $155,872 | -5.6% | 0.49% |
| Grayson County | $157,991 | -17.9% | 0.57% |
| Greenup County | $158,959 | +1.2% | 0.87% |
| Russell County | $152,730 | -5.0% | 0.57% |
| Cumberland County | $152,713 | -6.0% | 0.54% |
| Adair County | $161,714 | -11.8% | 0.64% |
| McLean County | $162,236 | -6.8% | 0.64% |
| Caldwell County | $149,902 | -6.6% | 0.54% |
| Wayne County | $163,675 | -2.0% | 0.56% |
| Casey County | $164,379 | -1.4% | 0.6% |
Frequently asked questions
What is the average home price in Livingston County, KY?
The typical home value in Livingston County is $156,725 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Livingston County?
About $42,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Livingston County?
The median effective rate is 0.61% of home value a year (Census ACS 2024 5-year estimates).