Scott County, Kentucky home prices
Typical home $342,459 · +3.8% in a year · property tax 0.66%
The typical home in Scott County is worth $342,459, 48% more than the Kentucky typical home ($230,909). Values changed +3.8% in the past year and +33.3% over five years. Homeowners here pay a median 0.66% of their home's value in property tax each year ($2,265 on the typical home), versus 0.72% statewide.
Mortgage on the typical Scott County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $68,492 | $273,967 | $1,843 | $0 | $360 | $2,203 | $94,400 |
| 10% down | $34,246 | $308,213 | $2,073 | $128 | $360 | $2,562 | $109,800 |
| 5% down | $17,123 | $325,336 | $2,189 | $136 | $360 | $2,684 | $115,000 |
| 3.5% down (FHA) | $11,986 | $336,256 | $2,262 | $151 | $360 | $2,773 | $118,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.66% 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 Lexington metro area.
Kentucky counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Boone County | $350,034 | +2.7% | 0.86% |
| Fayette County | $330,784 | +3.4% | 0.87% |
| Shelby County | $328,888 | -0.5% | 0.77% |
| Jessamine County | $328,403 | +2.5% | 0.73% |
| Woodford County | $358,536 | -0.2% | 0.7% |
| Spencer County | $376,164 | +4.7% | 0.66% |
| Bullitt County | $294,862 | -0.1% | 0.83% |
| Campbell County | $293,229 | +2.9% | 1.01% |
| Kenton County | $286,827 | +2.1% | 0.98% |
| Warren County | $285,184 | +0.2% | 0.65% |
Frequently asked questions
What is the average home price in Scott County, KY?
The typical home value in Scott County is $342,459 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Scott County?
About $94,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Scott County?
The median effective rate is 0.66% of home value a year (Census ACS 2024 5-year estimates).