McCracken County, Kentucky home prices
Typical home $194,592 · -1.2% in a year · property tax 0.75%
The typical home in McCracken County is worth $194,592, 16% less than the Kentucky typical home ($230,909). Values changed -1.2% in the past year and +34.4% over five years. Homeowners here pay a median 0.75% of their home's value in property tax each year ($1,459 on the typical home), versus 0.72% statewide.
Mortgage on the typical McCracken County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $38,918 | $155,674 | $1,047 | $0 | $219 | $1,266 | $54,300 |
| 10% down | $19,459 | $175,133 | $1,178 | $73 | $219 | $1,470 | $63,000 |
| 5% down | $9,730 | $184,863 | $1,244 | $77 | $219 | $1,539 | $66,000 |
| 3.5% down (FHA) | $6,811 | $191,068 | $1,285 | $86 | $219 | $1,590 | $68,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.75% 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 |
|---|---|---|---|
| Edmonson County | $191,239 | +1.4% | 0.55% |
| Rowan County | $191,109 | -1.0% | 0.55% |
| Lincoln County | $198,151 | -2.9% | 0.72% |
| 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% |
| Bath County | $187,830 | +2.8% | 0.65% |
| Christian County | $201,897 | +0.2% | 0.65% |
| Henderson County | $202,313 | +2.1% | 0.9% |
Frequently asked questions
What is the average home price in McCracken County, KY?
The typical home value in McCracken County is $194,592 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in McCracken County?
About $54,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in McCracken County?
The median effective rate is 0.75% of home value a year (Census ACS 2024 5-year estimates).