Whitley County, Kentucky home prices
Typical home $140,626 · -10.7% in a year · property tax 0.64%
The typical home in Whitley County is worth $140,626, 39% less than the Kentucky typical home ($230,909). Values changed -10.7% in the past year and -2.4% over five years. Homeowners here pay a median 0.64% of their home's value in property tax each year ($906 on the typical home), versus 0.72% statewide.
Mortgage on the typical Whitley County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $28,125 | $112,501 | $757 | $0 | $146 | $903 | $38,700 |
| 10% down | $14,063 | $126,563 | $851 | $53 | $146 | $1,050 | $45,000 |
| 5% down | $7,031 | $133,595 | $899 | $56 | $146 | $1,100 | $47,100 |
| 3.5% down (FHA) | $4,922 | $138,079 | $929 | $62 | $146 | $1,137 | $48,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.64% 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 London metro area.
Kentucky counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Rockcastle County | $141,697 | -11.3% | 0.48% |
| Hopkins County | $142,899 | -9.0% | 0.77% |
| Union County | $142,962 | +2.2% | 0.89% |
| Johnson County | $137,636 | -6.0% | 0.66% |
| Boyd County | $137,372 | -3.3% | 0.88% |
| Ballard County | $137,331 | -6.2% | 0.73% |
| Webster County | $136,688 | +4.8% | 0.88% |
| Trigg County | $136,493 | -24.4% | 0.56% |
| Ohio County | $144,841 | -5.7% | 0.62% |
| Wolfe County | $135,993 | +2.5% | 0.55% |
Frequently asked questions
What is the average home price in Whitley County, KY?
The typical home value in Whitley County is $140,626 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Whitley County?
About $38,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Whitley County?
The median effective rate is 0.64% of home value a year (Census ACS 2024 5-year estimates).