Kentucky home prices and mortgage costs
Typical home value $230,909 · -0.2% in a year · property tax 0.72%
Typical home value
$230,909
Payment (20% down)
$1,496
Income needed
$64,100
Kentucky ranks 46th most expensive of 51 states and D.C. Home values changed -0.2% over the past year and +24.8% over five years. Buying the typical home with 20% down costs about $1,496 a month at 7.11%, which needs a household income of about $64,100.
Cost of the typical Kentucky home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $46,182 | $184,727 | $1,243 | $0 | $253 | $1,496 | $64,100 |
| 10% down | $23,091 | $207,818 | $1,398 | $87 | $253 | $1,738 | $74,500 |
| 5% down | $11,545 | $219,364 | $1,476 | $91 | $253 | $1,820 | $78,000 |
| 3.5% down (FHA) | $8,082 | $226,727 | $1,525 | $102 | $253 | $1,881 | $80,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.72% 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.
Check a specific budget: how much house you can afford in Kentucky by salary · payment on a $250K home in Kentucky
Home prices by county in Kentucky
| County | Typical home | 1-yr change | Tax rate | Payment / month | Income needed |
|---|---|---|---|---|---|
| Oldham County | $452,219 | +1.9% | 0.9% | $2,997 | $128,400 |
| Spencer County | $376,164 | +4.7% | 0.66% | $2,420 | $103,700 |
| Woodford County | $358,536 | -0.2% | 0.7% | $2,319 | $99,400 |
| Boone County | $350,034 | +2.7% | 0.86% | $2,308 | $98,900 |
| Scott County | $342,459 | +3.8% | 0.66% | $2,203 | $94,400 |
| Fayette County | $330,784 | +3.4% | 0.87% | $2,184 | $93,600 |
| Shelby County | $328,888 | -0.5% | 0.77% | $2,145 | $91,900 |
| Jessamine County | $328,403 | +2.5% | 0.73% | $2,132 | $91,400 |
| Bullitt County | $294,862 | -0.1% | 0.83% | $1,938 | $83,100 |
| Campbell County | $293,229 | +2.9% | 1.01% | $1,973 | $84,500 |
| Kenton County | $286,827 | +2.1% | 0.98% | $1,921 | $82,300 |
| Warren County | $285,184 | +0.2% | 0.65% | $1,831 | $78,500 |
| Madison County | $283,215 | +1.2% | 0.73% | $1,839 | $78,800 |
| Meade County | $278,269 | -0.1% | 0.68% | $1,794 | $76,900 |
| Grant County | $272,511 | +3.1% | 0.68% | $1,758 | $75,300 |
| Nelson County | $264,631 | +3.9% | 0.79% | $1,732 | $74,200 |
| Jefferson County | $264,274 | +1.4% | 0.86% | $1,744 | $74,700 |
| Anderson County | $263,940 | +1.5% | 0.75% | $1,718 | $73,600 |
| Bourbon County | $259,793 | -0.9% | 0.71% | $1,682 | $72,100 |
| Garrard County | $259,741 | +2.4% | 0.69% | $1,678 | $71,900 |
| Washington County | $253,862 | +2.5% | 0.66% | $1,632 | $69,900 |
| Clark County | $253,267 | +4.8% | 0.71% | $1,638 | $70,200 |
| Simpson County | $253,079 | +0.6% | 0.6% | $1,615 | $69,200 |
| Henry County | $250,928 | +2.4% | 0.81% | $1,646 | $70,500 |
| Franklin County | $248,638 | +0.0% | 0.79% | $1,627 | $69,700 |
| Trimble County | $244,183 | +0.8% | 0.66% | $1,571 | $67,300 |
| Harrison County | $243,748 | +0.7% | 0.66% | $1,567 | $67,200 |
| Hardin County | $243,023 | -3.1% | 0.66% | $1,562 | $66,900 |
| Mercer County | $241,303 | -0.5% | 0.83% | $1,585 | $67,900 |
| Boyle County | $240,277 | +0.8% | 0.82% | $1,578 | $67,600 |
| Pendleton County | $237,230 | +3.5% | 0.8% | $1,553 | $66,600 |
| Marion County | $230,024 | +1.4% | 0.69% | $1,485 | $63,600 |
| Larue County | $228,831 | -5.6% | 0.6% | $1,461 | $62,600 |
| Montgomery County | $226,199 | +4.3% | 0.73% | $1,469 | $63,000 |
| Todd County | $225,991 | -2.6% | 0.55% | $1,432 | $61,400 |
| Daviess County | $219,193 | +4.0% | 0.84% | $1,442 | $61,800 |
| Barren County | $213,505 | -1.8% | 0.68% | $1,377 | $59,000 |
| Taylor County | $212,471 | -0.2% | 0.69% | $1,372 | $58,800 |
| Allen County | $210,569 | -5.4% | 0.54% | $1,334 | $57,200 |
| Gallatin County | $208,363 | +2.5% | 0.83% | $1,369 | $58,700 |
| Hancock County | $204,748 | +6.2% | 0.66% | $1,317 | $56,400 |
| Robertson County | $202,585 | +3.7% | 0.54% | $1,283 | $55,000 |
| Henderson County | $202,313 | +2.1% | 0.9% | $1,342 | $57,500 |
| Christian County | $201,897 | +0.2% | 0.65% | $1,297 | $55,600 |
| Marshall County | $199,749 | -4.4% | 0.72% | $1,295 | $55,500 |
| Nicholas County | $199,680 | -1.2% | 0.59% | $1,273 | $54,600 |
| Logan County | $199,531 | -1.5% | 0.61% | $1,275 | $54,700 |
| Bracken County | $198,166 | +8.5% | 0.92% | $1,317 | $56,500 |
| Lincoln County | $198,151 | -2.9% | 0.72% | $1,285 | $55,100 |
| McCracken County | $194,592 | -1.2% | 0.75% | $1,266 | $54,300 |
| Edmonson County | $191,239 | +1.4% | 0.55% | $1,212 | $52,000 |
| Rowan County | $191,109 | -1.0% | 0.55% | $1,211 | $51,900 |
| Bath County | $187,830 | +2.8% | 0.65% | $1,207 | $51,700 |
| Laurel County | $185,139 | -1.5% | 0.57% | $1,177 | $50,400 |
| Hart County | $184,885 | -0.1% | 0.66% | $1,189 | $51,000 |
| Carroll County | $181,740 | -3.3% | 0.76% | $1,184 | $50,700 |
| Pulaski County | $180,412 | -1.3% | 0.63% | $1,156 | $49,600 |
| Fleming County | $179,466 | +1.2% | 0.64% | $1,152 | $49,400 |
| Owen County | $179,321 | -4.1% | 0.72% | $1,163 | $49,800 |
| Green County | $179,312 | +4.4% | 0.65% | $1,152 | $49,400 |
| Lyon County | $179,125 | -8.4% | 0.63% | $1,148 | $49,200 |
| Graves County | $175,799 | +0.4% | 0.66% | $1,130 | $48,400 |
| Calloway County | $175,394 | -13.3% | 0.65% | $1,127 | $48,300 |
| Metcalfe County | $174,385 | +0.4% | 0.67% | $1,124 | $48,200 |
| Butler County | $173,754 | -9.1% | 0.58% | $1,106 | $47,400 |
| Mason County | $173,307 | -0.8% | 0.65% | $1,114 | $47,700 |
| Breckinridge County | $171,657 | +0.1% | 0.58% | $1,093 | $46,900 |
| Casey County | $164,379 | -1.4% | 0.6% | $1,048 | $44,900 |
| Wayne County | $163,675 | -2.0% | 0.56% | $1,039 | $44,500 |
| McLean County | $162,236 | -6.8% | 0.64% | $1,041 | $44,600 |
| Adair County | $161,714 | -11.8% | 0.64% | $1,038 | $44,500 |
| Greenup County | $158,959 | +1.2% | 0.87% | $1,051 | $45,000 |
| Grayson County | $157,991 | -17.9% | 0.57% | $1,004 | $43,000 |
| Livingston County | $156,725 | -2.2% | 0.61% | $1,002 | $42,900 |
| Carter County | $155,872 | -5.6% | 0.49% | $980 | $42,000 |
| Russell County | $152,730 | -5.0% | 0.57% | $971 | $41,600 |
| Cumberland County | $152,713 | -6.0% | 0.54% | $967 | $41,400 |
| Caldwell County | $149,902 | -6.6% | 0.54% | $949 | $40,700 |
| Elliott County | $148,498 | -4.8% | 0.61% | $949 | $40,700 |
| Monroe County | $147,639 | +5.2% | 0.77% | $963 | $41,300 |
| Clinton County | $146,215 | -10.3% | 0.52% | $924 | $39,600 |
| Powell County | $145,749 | -8.1% | 0.62% | $933 | $40,000 |
| Lawrence County | $145,613 | -1.2% | 0.71% | $943 | $40,400 |
| Carlisle County | $145,507 | +0.2% | 0.78% | $951 | $40,800 |
| Ohio County | $144,841 | -5.7% | 0.62% | $927 | $39,700 |
| Union County | $142,962 | +2.2% | 0.89% | $947 | $40,600 |
| Hopkins County | $142,899 | -9.0% | 0.77% | $933 | $40,000 |
| Rockcastle County | $141,697 | -11.3% | 0.48% | $890 | $38,200 |
| Whitley County | $140,626 | -10.7% | 0.64% | $903 | $38,700 |
| Johnson County | $137,636 | -6.0% | 0.66% | $885 | $37,900 |
| Boyd County | $137,372 | -3.3% | 0.88% | $909 | $39,000 |
| Ballard County | $137,331 | -6.2% | 0.73% | $891 | $38,200 |
| Webster County | $136,688 | +4.8% | 0.88% | $904 | $38,700 |
| Trigg County | $136,493 | -24.4% | 0.56% | $866 | $37,100 |
| Wolfe County | $135,993 | +2.5% | 0.55% | $862 | $36,900 |
| Crittenden County | $135,920 | -9.4% | 0.57% | $864 | $37,000 |
| Hickman County | $133,731 | -4.2% | 0.67% | $862 | $36,900 |
| Knox County | $132,932 | -3.7% | 0.66% | $855 | $36,600 |
| Morgan County | $131,976 | -11.4% | 0.66% | $849 | $36,400 |
| Menifee County | $128,716 | -14.5% | 0.51% | $812 | $34,800 |
| Muhlenberg County | $128,119 | -10.6% | 0.62% | $820 | $35,100 |
| Lee County | $127,427 | -10.8% | 0.84% | $839 | $35,900 |
| Owsley County | $123,470 | -6.0% | 0.71% | $799 | $34,300 |
| Jackson County | $116,937 | -20.1% | 0.62% | $748 | $32,000 |
| Magoffin County | $115,980 | -21.3% | 0.78% | $758 | $32,500 |
| Lewis County | $112,742 | -5.8% | 0.64% | $723 | $31,000 |
| Estill County | $111,861 | -8.9% | 0.67% | $720 | $30,900 |
| Clay County | $107,909 | -10.7% | 0.7% | $698 | $29,900 |
| Martin County | $101,271 | -11.7% | 0.82% | $665 | $28,500 |
| Perry County | $100,008 | -5.4% | 0.7% | $647 | $27,700 |
| Bell County | $99,031 | -13.0% | 0.81% | $650 | $27,800 |
| McCreary County | $97,501 | -10.5% | 0.65% | $626 | $26,800 |
| Pike County | $96,689 | -8.6% | 0.69% | $624 | $26,800 |
| Floyd County | $87,003 | -16.9% | 0.76% | $567 | $24,300 |
| Fulton County | $86,561 | -6.8% | 0.8% | $567 | $24,300 |
| Leslie County | $76,825 | -13.7% | 0.82% | $504 | $21,600 |
| Harlan County | $76,340 | -7.0% | 0.99% | $512 | $22,000 |
| Breathitt County | $70,861 | -20.4% | 0.73% | $460 | $19,700 |
| Knott County | $61,734 | -19.0% | 0.74% | $401 | $17,200 |
| Letcher County | $58,973 | -16.5% | 0.96% | $394 | $16,900 |
Metro areas in Kentucky
Frequently asked questions
What is the average home price in Kentucky?
The typical home in Kentucky is worth $230,909 according to the Zillow Home Value Index for September 2026.
How much income do you need to buy a house in Kentucky?
About $64,100 a year to buy the typical $230,909 home with 20% down at 7.11%, keeping housing under 28% of income.
What is the property tax rate in Kentucky?
The typical effective rate is 0.72% of the home's value a year (median taxes paid divided by median home value, Census ACS 2025).