Pendleton County, Kentucky home prices
Typical home $237,230 · +3.5% in a year · property tax 0.8%
The typical home in Pendleton County is worth $237,230, 3% more than the Kentucky typical home ($230,909). Values changed +3.5% in the past year and +34.6% over five years. Homeowners here pay a median 0.8% of their home's value in property tax each year ($1,893 on the typical home), versus 0.72% statewide.
Mortgage on the typical Pendleton County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $47,446 | $189,784 | $1,277 | $0 | $276 | $1,553 | $66,600 |
| 10% down | $23,723 | $213,507 | $1,436 | $89 | $276 | $1,802 | $77,200 |
| 5% down | $11,861 | $225,368 | $1,516 | $94 | $276 | $1,886 | $80,800 |
| 3.5% down (FHA) | $8,303 | $232,933 | $1,567 | $105 | $276 | $1,948 | $83,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.8% 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 Cincinnati metro area.
Kentucky counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Boyle County | $240,277 | +0.8% | 0.82% |
| Mercer County | $241,303 | -0.5% | 0.83% |
| Hardin County | $243,023 | -3.1% | 0.66% |
| Harrison County | $243,748 | +0.7% | 0.66% |
| Trimble County | $244,183 | +0.8% | 0.66% |
| Marion County | $230,024 | +1.4% | 0.69% |
| Larue County | $228,831 | -5.6% | 0.6% |
| Montgomery County | $226,199 | +4.3% | 0.73% |
| Todd County | $225,991 | -2.6% | 0.55% |
| Franklin County | $248,638 | +0.0% | 0.79% |
Frequently asked questions
What is the average home price in Pendleton County, KY?
The typical home value in Pendleton County is $237,230 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Pendleton County?
About $66,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Pendleton County?
The median effective rate is 0.8% of home value a year (Census ACS 2024 5-year estimates).