McCreary County, Kentucky home prices
Typical home $97,501 · -10.5% in a year · property tax 0.65%
The typical home in McCreary County is worth $97,501, 58% less than the Kentucky typical home ($230,909). Values changed -10.5% in the past year and +17.1% over five years. Homeowners here pay a median 0.65% of their home's value in property tax each year ($633 on the typical home), versus 0.72% statewide.
Mortgage on the typical McCreary County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $19,500 | $78,001 | $525 | $0 | $102 | $626 | $26,800 |
| 10% down | $9,750 | $87,751 | $590 | $37 | $102 | $728 | $31,200 |
| 5% down | $4,875 | $92,626 | $623 | $39 | $102 | $763 | $32,700 |
| 3.5% down (FHA) | $3,413 | $95,735 | $644 | $43 | $102 | $789 | $33,800 |
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.
Kentucky counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Pike County | $96,689 | -8.6% | 0.69% |
| Bell County | $99,031 | -13.0% | 0.81% |
| Perry County | $100,008 | -5.4% | 0.7% |
| Martin County | $101,271 | -11.7% | 0.82% |
| Clay County | $107,909 | -10.7% | 0.7% |
| Floyd County | $87,003 | -16.9% | 0.76% |
| Fulton County | $86,561 | -6.8% | 0.8% |
| Estill County | $111,861 | -8.9% | 0.67% |
| Lewis County | $112,742 | -5.8% | 0.64% |
| Magoffin County | $115,980 | -21.3% | 0.78% |
Frequently asked questions
What is the average home price in McCreary County, KY?
The typical home value in McCreary County is $97,501 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in McCreary County?
About $26,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in McCreary County?
The median effective rate is 0.65% of home value a year (Census ACS 2024 5-year estimates).