Oldham County, Kentucky home prices
Typical home $452,219 · +1.9% in a year · property tax 0.9%
The typical home in Oldham County is worth $452,219, 96% more than the Kentucky typical home ($230,909). Values changed +1.9% in the past year and +23.1% over five years. Homeowners here pay a median 0.9% of their home's value in property tax each year ($4,048 on the typical home), versus 0.72% statewide.
Mortgage on the typical Oldham County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $90,444 | $361,775 | $2,434 | $0 | $563 | $2,997 | $128,400 |
| 10% down | $45,222 | $406,997 | $2,738 | $170 | $563 | $3,471 | $148,800 |
| 5% down | $22,611 | $429,608 | $2,890 | $179 | $563 | $3,632 | $155,700 |
| 3.5% down (FHA) | $15,828 | $444,028 | $2,987 | $200 | $563 | $3,750 | $160,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.9% 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 |
|---|---|---|---|
| Spencer County | $376,164 | +4.7% | 0.66% |
| Woodford County | $358,536 | -0.2% | 0.7% |
| Boone County | $350,034 | +2.7% | 0.86% |
| Scott County | $342,459 | +3.8% | 0.66% |
| Fayette County | $330,784 | +3.4% | 0.87% |
| Shelby County | $328,888 | -0.5% | 0.77% |
| Jessamine County | $328,403 | +2.5% | 0.73% |
| Bullitt County | $294,862 | -0.1% | 0.83% |
| Campbell County | $293,229 | +2.9% | 1.01% |
| Kenton County | $286,827 | +2.1% | 0.98% |
Frequently asked questions
What is the average home price in Oldham County, KY?
The typical home value in Oldham County is $452,219 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Oldham County?
About $128,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Oldham County?
The median effective rate is 0.9% of home value a year (Census ACS 2024 5-year estimates).