Todd County, Kentucky home prices
Typical home $225,991 · -2.6% in a year · property tax 0.55%
The typical home in Todd County is worth $225,991, 2% less than the Kentucky typical home ($230,909). Values changed -2.6% in the past year and +36.1% over five years. Homeowners here pay a median 0.55% of their home's value in property tax each year ($1,232 on the typical home), versus 0.72% statewide.
Mortgage on the typical Todd County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $45,198 | $180,793 | $1,216 | $0 | $216 | $1,432 | $61,400 |
| 10% down | $22,599 | $203,392 | $1,368 | $85 | $216 | $1,669 | $71,500 |
| 5% down | $11,300 | $214,692 | $1,444 | $89 | $216 | $1,749 | $75,000 |
| 3.5% down (FHA) | $7,910 | $221,898 | $1,493 | $100 | $216 | $1,808 | $77,500 |
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 |
|---|---|---|---|
| Montgomery County | $226,199 | +4.3% | 0.73% |
| Larue County | $228,831 | -5.6% | 0.6% |
| Marion County | $230,024 | +1.4% | 0.69% |
| Daviess County | $219,193 | +4.0% | 0.84% |
| Pendleton County | $237,230 | +3.5% | 0.8% |
| Barren County | $213,505 | -1.8% | 0.68% |
| Taylor County | $212,471 | -0.2% | 0.69% |
| Boyle County | $240,277 | +0.8% | 0.82% |
| Mercer County | $241,303 | -0.5% | 0.83% |
| Allen County | $210,569 | -5.4% | 0.54% |
Frequently asked questions
What is the average home price in Todd County, KY?
The typical home value in Todd County is $225,991 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Todd County?
About $61,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Todd County?
The median effective rate is 0.55% of home value a year (Census ACS 2024 5-year estimates).