Bardstown, KY home prices
Typical home $264,664 · +3.9% in a year · income needed $74,200
The Bardstown, KY metro area ranks 407 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.9% in a year and +30.9% over five years. With 20% down at 7.11%, the typical home costs about $1,732 a month including 0.79% property tax (Nelson County rate).
Mortgage on the typical Bardstown home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $52,933 | $211,731 | $1,424 | $0 | $308 | $1,732 | $74,200 |
| 10% down | $26,466 | $238,197 | $1,602 | $99 | $308 | $2,009 | $86,100 |
| 5% down | $13,233 | $251,430 | $1,691 | $105 | $308 | $2,104 | $90,200 |
| 3.5% down (FHA) | $9,263 | $259,870 | $1,748 | $117 | $308 | $2,173 | $93,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.79% 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.
Counties in the Bardstown area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Nelson County, KY | $264,631 | +3.9% | 0.79% |
What can you afford in Kentucky on your salary? · Kentucky home prices · Salaries in Kentucky
Frequently asked questions
How much is a house in Bardstown?
The typical home in the Bardstown, KY metro area is worth $264,664 (Zillow, September 2026).
What salary do you need to buy a house in Bardstown?
About $74,200 a year for the typical home with 20% down at 7.11%.