Rowan County, Kentucky home prices
Typical home $191,109 · -1.0% in a year · property tax 0.55%
The typical home in Rowan County is worth $191,109, 17% less than the Kentucky typical home ($230,909). Values changed -1.0% in the past year and +32.2% over five years. Homeowners here pay a median 0.55% of their home's value in property tax each year ($1,045 on the typical home), versus 0.72% statewide.
Mortgage on the typical Rowan County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $38,222 | $152,887 | $1,028 | $0 | $183 | $1,211 | $51,900 |
| 10% down | $19,111 | $171,998 | $1,157 | $72 | $183 | $1,411 | $60,500 |
| 5% down | $9,555 | $181,553 | $1,221 | $76 | $183 | $1,480 | $63,400 |
| 3.5% down (FHA) | $6,689 | $187,647 | $1,262 | $85 | $183 | $1,530 | $65,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.55% 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 |
|---|---|---|---|
| Edmonson County | $191,239 | +1.4% | 0.55% |
| Bath County | $187,830 | +2.8% | 0.65% |
| McCracken County | $194,592 | -1.2% | 0.75% |
| Laurel County | $185,139 | -1.5% | 0.57% |
| Hart County | $184,885 | -0.1% | 0.66% |
| Lincoln County | $198,151 | -2.9% | 0.72% |
| Bracken County | $198,166 | +8.5% | 0.92% |
| Logan County | $199,531 | -1.5% | 0.61% |
| Nicholas County | $199,680 | -1.2% | 0.59% |
| Marshall County | $199,749 | -4.4% | 0.72% |
Frequently asked questions
What is the average home price in Rowan County, KY?
The typical home value in Rowan County is $191,109 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Rowan County?
About $51,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Rowan County?
The median effective rate is 0.55% of home value a year (Census ACS 2024 5-year estimates).