Washington County, Kentucky home prices
Typical home $253,862 · +2.5% in a year · property tax 0.66%
The typical home in Washington County is worth $253,862, 10% more than the Kentucky typical home ($230,909). Values changed +2.5% in the past year and +32.9% over five years. Homeowners here pay a median 0.66% of their home's value in property tax each year ($1,663 on the typical home), versus 0.72% statewide.
Mortgage on the typical Washington County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $50,772 | $203,089 | $1,366 | $0 | $266 | $1,632 | $69,900 |
| 10% down | $25,386 | $228,475 | $1,537 | $95 | $266 | $1,898 | $81,300 |
| 5% down | $12,693 | $241,169 | $1,622 | $100 | $266 | $1,988 | $85,200 |
| 3.5% down (FHA) | $8,885 | $249,264 | $1,677 | $112 | $266 | $2,055 | $88,100 |
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.
Kentucky counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Clark County | $253,267 | +4.8% | 0.71% |
| Simpson County | $253,079 | +0.6% | 0.6% |
| Henry County | $250,928 | +2.4% | 0.81% |
| Franklin County | $248,638 | +0.0% | 0.79% |
| Garrard County | $259,741 | +2.4% | 0.69% |
| Bourbon County | $259,793 | -0.9% | 0.71% |
| Trimble County | $244,183 | +0.8% | 0.66% |
| Anderson County | $263,940 | +1.5% | 0.75% |
| Harrison County | $243,748 | +0.7% | 0.66% |
| Jefferson County | $264,274 | +1.4% | 0.86% |
Frequently asked questions
What is the average home price in Washington County, KY?
The typical home value in Washington County is $253,862 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Washington County?
About $69,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Washington County?
The median effective rate is 0.66% of home value a year (Census ACS 2024 5-year estimates).