Middlesborough, KY home prices
Typical home $99,037 · -13.0% in a year · income needed $27,800
The Middlesborough, KY metro area ranks 886 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -13.0% in a year and -21.7% over five years. With 20% down at 7.11%, the typical home costs about $650 a month including 0.81% property tax (Bell County rate).
Mortgage on the typical Middlesborough home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $19,807 | $79,229 | $533 | $0 | $117 | $650 | $27,800 |
| 10% down | $9,904 | $89,133 | $600 | $37 | $117 | $753 | $32,300 |
| 5% down | $4,952 | $94,085 | $633 | $39 | $117 | $789 | $33,800 |
| 3.5% down (FHA) | $3,466 | $97,243 | $654 | $44 | $117 | $815 | $34,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.81% 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 Middlesborough area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Bell County, KY | $99,031 | -13.0% | 0.81% |
What can you afford in Kentucky on your salary? · Kentucky home prices · Salaries in Kentucky
Frequently asked questions
How much is a house in Middlesborough?
The typical home in the Middlesborough, KY metro area is worth $99,037 (Zillow, September 2026).
What salary do you need to buy a house in Middlesborough?
About $27,800 a year for the typical home with 20% down at 7.11%.