Wayne County, Kentucky home prices
Typical home $163,675 · -2.0% in a year · property tax 0.56%
The typical home in Wayne County is worth $163,675, 29% less than the Kentucky typical home ($230,909). Values changed -2.0% in the past year and +38.5% over five years. Homeowners here pay a median 0.56% of their home's value in property tax each year ($914 on the typical home), versus 0.72% statewide.
Mortgage on the typical Wayne County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $32,735 | $130,940 | $881 | $0 | $158 | $1,039 | $44,500 |
| 10% down | $16,367 | $147,307 | $991 | $61 | $158 | $1,210 | $51,900 |
| 5% down | $8,184 | $155,491 | $1,046 | $65 | $158 | $1,269 | $54,400 |
| 3.5% down (FHA) | $5,729 | $160,710 | $1,081 | $72 | $158 | $1,312 | $56,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.56% 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 |
|---|---|---|---|
| Casey County | $164,379 | -1.4% | 0.6% |
| McLean County | $162,236 | -6.8% | 0.64% |
| Adair County | $161,714 | -11.8% | 0.64% |
| Greenup County | $158,959 | +1.2% | 0.87% |
| Grayson County | $157,991 | -17.9% | 0.57% |
| Livingston County | $156,725 | -2.2% | 0.61% |
| Carter County | $155,872 | -5.6% | 0.49% |
| Breckinridge County | $171,657 | +0.1% | 0.58% |
| Mason County | $173,307 | -0.8% | 0.65% |
| Butler County | $173,754 | -9.1% | 0.58% |
Frequently asked questions
What is the average home price in Wayne County, KY?
The typical home value in Wayne County is $163,675 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Wayne County?
About $44,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Wayne County?
The median effective rate is 0.56% of home value a year (Census ACS 2024 5-year estimates).