Rockcastle County, Kentucky home prices
Typical home $141,697 · -11.3% in a year · property tax 0.48%
The typical home in Rockcastle County is worth $141,697, 39% less than the Kentucky typical home ($230,909). Values changed -11.3% in the past year and +25.0% over five years. Homeowners here pay a median 0.48% of their home's value in property tax each year ($683 on the typical home), versus 0.72% statewide.
Mortgage on the typical Rockcastle County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $28,339 | $113,358 | $763 | $0 | $128 | $890 | $38,200 |
| 10% down | $14,170 | $127,528 | $858 | $53 | $128 | $1,039 | $44,500 |
| 5% down | $7,085 | $134,612 | $906 | $56 | $128 | $1,089 | $46,700 |
| 3.5% down (FHA) | $4,959 | $139,131 | $936 | $63 | $128 | $1,126 | $48,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.48% 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 |
|---|---|---|---|
| Whitley County | $140,626 | -10.7% | 0.64% |
| Hopkins County | $142,899 | -9.0% | 0.77% |
| Union County | $142,962 | +2.2% | 0.89% |
| Ohio County | $144,841 | -5.7% | 0.62% |
| Carlisle County | $145,507 | +0.2% | 0.78% |
| Lawrence County | $145,613 | -1.2% | 0.71% |
| Powell County | $145,749 | -8.1% | 0.62% |
| Johnson County | $137,636 | -6.0% | 0.66% |
| Boyd County | $137,372 | -3.3% | 0.88% |
| Ballard County | $137,331 | -6.2% | 0.73% |
Frequently asked questions
What is the average home price in Rockcastle County, KY?
The typical home value in Rockcastle County is $141,697 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Rockcastle County?
About $38,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Rockcastle County?
The median effective rate is 0.48% of home value a year (Census ACS 2024 5-year estimates).