Paducah, KY home prices
Typical home $172,916 · -2.3% in a year · income needed $48,200
The Paducah, KY metro area ranks 747 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -2.3% in a year and +26.9% over five years. With 20% down at 7.11%, the typical home costs about $1,125 a month including 0.75% property tax (McCracken County rate).
Mortgage on the typical Paducah home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $34,583 | $138,333 | $931 | $0 | $194 | $1,125 | $48,200 |
| 10% down | $17,292 | $155,624 | $1,047 | $65 | $194 | $1,306 | $56,000 |
| 5% down | $8,646 | $164,270 | $1,105 | $68 | $194 | $1,368 | $58,600 |
| 3.5% down (FHA) | $6,052 | $169,784 | $1,142 | $76 | $194 | $1,413 | $60,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.75% 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 Paducah area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| McCracken County, KY | $194,592 | -1.2% | 0.75% |
| Massac County, IL | $117,414 | +3.1% | 1.4% |
| Livingston County, KY | $156,725 | -2.2% | 0.61% |
| Ballard County, KY | $137,331 | -6.2% | 0.73% |
What can you afford in Kentucky on your salary? · Kentucky home prices · Salaries in Kentucky
Frequently asked questions
How much is a house in Paducah?
The typical home in the Paducah, KY metro area is worth $172,916 (Zillow, September 2026).
What salary do you need to buy a house in Paducah?
About $48,200 a year for the typical home with 20% down at 7.11%.