Elizabethtown, KY home prices
Typical home $245,471 · -3.4% in a year · income needed $67,600
The Elizabethtown, KY metro area ranks 469 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -3.4% in a year and +22.0% over five years. With 20% down at 7.11%, the typical home costs about $1,578 a month including 0.66% property tax (Hardin County rate).
Mortgage on the typical Elizabethtown home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $49,094 | $196,377 | $1,321 | $0 | $257 | $1,578 | $67,600 |
| 10% down | $24,547 | $220,924 | $1,486 | $92 | $257 | $1,835 | $78,600 |
| 5% down | $12,274 | $233,198 | $1,569 | $97 | $257 | $1,923 | $82,400 |
| 3.5% down (FHA) | $8,591 | $241,025 | $1,621 | $109 | $257 | $1,987 | $85,100 |
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.
Counties in the Elizabethtown area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Hardin County, KY | $243,023 | -3.1% | 0.66% |
| Meade County, KY | $278,269 | -0.1% | 0.68% |
| Larue County, KY | $228,831 | -5.6% | 0.6% |
What can you afford in Kentucky on your salary? · Kentucky home prices · Salaries in Kentucky
Frequently asked questions
How much is a house in Elizabethtown?
The typical home in the Elizabethtown, KY metro area is worth $245,471 (Zillow, September 2026).
What salary do you need to buy a house in Elizabethtown?
About $67,600 a year for the typical home with 20% down at 7.11%.