Metcalfe County, Kentucky home prices
Typical home $174,385 · +0.4% in a year · property tax 0.67%
The typical home in Metcalfe County is worth $174,385, 24% less than the Kentucky typical home ($230,909). Values changed +0.4% in the past year and +42.3% over five years. Homeowners here pay a median 0.67% of their home's value in property tax each year ($1,176 on the typical home), versus 0.72% statewide.
Mortgage on the typical Metcalfe County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $34,877 | $139,508 | $938 | $0 | $185 | $1,124 | $48,200 |
| 10% down | $17,438 | $156,946 | $1,056 | $65 | $185 | $1,306 | $56,000 |
| 5% down | $8,719 | $165,665 | $1,114 | $69 | $185 | $1,369 | $58,700 |
| 3.5% down (FHA) | $6,103 | $171,226 | $1,152 | $77 | $185 | $1,414 | $60,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.67% 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 Glasgow metro area.
Kentucky counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Butler County | $173,754 | -9.1% | 0.58% |
| Calloway County | $175,394 | -13.3% | 0.65% |
| Mason County | $173,307 | -0.8% | 0.65% |
| Graves County | $175,799 | +0.4% | 0.66% |
| Breckinridge County | $171,657 | +0.1% | 0.58% |
| 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 Metcalfe County, KY?
The typical home value in Metcalfe County is $174,385 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Metcalfe County?
About $48,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Metcalfe County?
The median effective rate is 0.67% of home value a year (Census ACS 2024 5-year estimates).