Owsley County, Kentucky home prices
Typical home $123,470 · -6.0% in a year · property tax 0.71%
The typical home in Owsley County is worth $123,470, 47% less than the Kentucky typical home ($230,909). Values changed -6.0% in the past year and +12.1% over five years. Homeowners here pay a median 0.71% of their home's value in property tax each year ($879 on the typical home), versus 0.72% statewide.
Mortgage on the typical Owsley County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $24,694 | $98,776 | $664 | $0 | $135 | $799 | $34,300 |
| 10% down | $12,347 | $111,123 | $748 | $46 | $135 | $929 | $39,800 |
| 5% down | $6,174 | $117,297 | $789 | $49 | $135 | $973 | $41,700 |
| 3.5% down (FHA) | $4,321 | $121,234 | $816 | $55 | $135 | $1,005 | $43,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.71% 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 |
|---|---|---|---|
| Lee County | $127,427 | -10.8% | 0.84% |
| Muhlenberg County | $128,119 | -10.6% | 0.62% |
| Menifee County | $128,716 | -14.5% | 0.51% |
| Jackson County | $116,937 | -20.1% | 0.62% |
| Magoffin County | $115,980 | -21.3% | 0.78% |
| Morgan County | $131,976 | -11.4% | 0.66% |
| Knox County | $132,932 | -3.7% | 0.66% |
| Hickman County | $133,731 | -4.2% | 0.67% |
| Lewis County | $112,742 | -5.8% | 0.64% |
| Estill County | $111,861 | -8.9% | 0.67% |
Frequently asked questions
What is the average home price in Owsley County, KY?
The typical home value in Owsley County is $123,470 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Owsley County?
About $34,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Owsley County?
The median effective rate is 0.71% of home value a year (Census ACS 2024 5-year estimates).