Nelson County, Kentucky home prices
Typical home $264,631 · +3.9% in a year · property tax 0.79%
The typical home in Nelson County is worth $264,631, 15% more than the Kentucky typical home ($230,909). Values changed +3.9% in the past year and +30.9% over five years. Homeowners here pay a median 0.79% of their home's value in property tax each year ($2,103 on the typical home), versus 0.72% statewide.
Mortgage on the typical Nelson County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $52,926 | $211,705 | $1,424 | $0 | $308 | $1,732 | $74,200 |
| 10% down | $26,463 | $238,168 | $1,602 | $99 | $308 | $2,009 | $86,100 |
| 5% down | $13,232 | $251,400 | $1,691 | $105 | $308 | $2,103 | $90,100 |
| 3.5% down (FHA) | $9,262 | $259,838 | $1,748 | $117 | $308 | $2,173 | $93,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.79% 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 Bardstown metro area.
Kentucky counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Jefferson County | $264,274 | +1.4% | 0.86% |
| Anderson County | $263,940 | +1.5% | 0.75% |
| Bourbon County | $259,793 | -0.9% | 0.71% |
| Garrard County | $259,741 | +2.4% | 0.69% |
| Grant County | $272,511 | +3.1% | 0.68% |
| Washington County | $253,862 | +2.5% | 0.66% |
| Clark County | $253,267 | +4.8% | 0.71% |
| Simpson County | $253,079 | +0.6% | 0.6% |
| Meade County | $278,269 | -0.1% | 0.68% |
| Henry County | $250,928 | +2.4% | 0.81% |
Frequently asked questions
What is the average home price in Nelson County, KY?
The typical home value in Nelson County is $264,631 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Nelson County?
About $74,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Nelson County?
The median effective rate is 0.79% of home value a year (Census ACS 2024 5-year estimates).