Mason County, Kentucky home prices
Typical home $173,307 · -0.8% in a year · property tax 0.65%
The typical home in Mason County is worth $173,307, 25% less than the Kentucky typical home ($230,909). Values changed -0.8% in the past year and +34.0% over five years. Homeowners here pay a median 0.65% of their home's value in property tax each year ($1,132 on the typical home), versus 0.72% statewide.
Mortgage on the typical Mason County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $34,661 | $138,645 | $933 | $0 | $181 | $1,114 | $47,700 |
| 10% down | $17,331 | $155,976 | $1,049 | $65 | $181 | $1,295 | $55,500 |
| 5% down | $8,665 | $164,641 | $1,108 | $69 | $181 | $1,357 | $58,200 |
| 3.5% down (FHA) | $6,066 | $170,168 | $1,145 | $77 | $181 | $1,402 | $60,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.65% 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 Maysville metro area.
Kentucky counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Butler County | $173,754 | -9.1% | 0.58% |
| Metcalfe County | $174,385 | +0.4% | 0.67% |
| Breckinridge County | $171,657 | +0.1% | 0.58% |
| Calloway County | $175,394 | -13.3% | 0.65% |
| Graves County | $175,799 | +0.4% | 0.66% |
| Lyon County | $179,125 | -8.4% | 0.63% |
| Green County | $179,312 | +4.4% | 0.65% |
| Owen County | $179,321 | -4.1% | 0.72% |
| Fleming County | $179,466 | +1.2% | 0.64% |
| Pulaski County | $180,412 | -1.3% | 0.63% |
Frequently asked questions
What is the average home price in Mason County, KY?
The typical home value in Mason County is $173,307 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Mason County?
About $47,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Mason County?
The median effective rate is 0.65% of home value a year (Census ACS 2024 5-year estimates).