Kentucky Average Home Price by City (2026)

The average home price in Kentucky (KY) is about $181,000 — the 2026 median, at ~$152/sq ft — 37% more affordable than the typical U.S. home.

$181,000
Kentucky median value
$152
Median price / sq ft
~1,190
sq ft a median budget buys
-37%
vs U.S. median
Louisville — $252,000LouisvilleLexington — $357,000Pineville — $87,000PinevilleBowling Green — $321,000Worthville — $196,000WorthvilleMaysville — $165,000Cumberland — $59,000

Shaded by price · click a city to explore. Colour = median home value.

Considering a move to Kentucky?

Housing in Kentucky is 37% more affordable than the national average, with a typical home around $181,000 and a local rate near $152 per square foot. Among the 10 Kentucky cities we track, Lexington is the most expensive (median $357,000) and Cumberland is the most affordable (median $59,000) — so where you land in the state matters as much as the state itself.

Browse Kentucky cities

Lexington$357,000Bowling Green$321,000Louisville$252,000Worthville$196,000Payneville$183,000Maysville$165,000Bimble$130,000Boons Camp$119,000Pineville$87,000Cumberland$59,000

Kentucky home prices by county

25 Kentucky counties with enough data for their own page, priciest first:

Fayette County$357,000Warren County$286,000Meade County$270,500Campbell County$263,000Jefferson County$262,000Kenton County$260,000Nelson County$252,500Henry County$247,000Hardin County$226,000Christian County$219,500Hart County$196,000Graves County$189,500Breckinridge County$183,000Ohio County$149,000Johnson County$142,500Hopkins County$139,000Knox County$136,000Muhlenberg County$130,500Perry County$109,000Pike County$90,500Bell County$90,000Knott County$86,500Harlan County$84,500Floyd County$79,000Letcher County$72,000

See the cheapest (and most expensive) places to live in Kentucky.

Don’t see your city? Use the free Home Value Estimator for any U.S. ZIP, see the most expensive ZIP codes in America, or browse the full U.S. directory.

Home value appreciation in Kentucky

Home prices in Kentucky have risen about 84% over the last 10 years (≈6.3% a year) and +96.6% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +3.9% — still rising. A home worth $181,000 today was worth roughly $98,316 ten years ago.

+3.9%
1-year change
+50.0%
5-year change
+84.1%
10-year change
+96.6%
20-year change

See where that trend takes a specific home with the home appreciation calculator — nationally the median state is +85.6% over 10 years. Past appreciation is a track record, not a forecast; local prices can fall.

Calculators for Kentucky

Run the numbers for Kentucky with the local rates already filled in — change any input to test your own situation.

Property taxannual tax at local effective ratesAffordability by salarythe price your income supports hereMonthly paymentPITI on a home at this priceRent affordabilityyour max rent vs the local medianUtility costselectric, gas, water and internet per monthHome insurancetypical premium for this stateCost to buildnew-construction cost per sq ft here

Salary needed to buy a home in Kentucky

To buy the typical $181,000 home in Kentucky with 20% down, you need a household income of roughly $49,000 a year (about $1,150 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $59,000, because the loan is bigger and mortgage insurance kicks in.

Down paymentCash downMonthly paymentIncome needed
5% (+PMI)$9,100$1,430/mo$61,000/yr
10% (+PMI)$18,100$1,370/mo$59,000/yr
20%$36,200$1,150/mo$49,000/yr

Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.

What your budget buys in Kentucky

At about $152 per square foot, here is roughly how much home different budgets get you in Kentucky:

BudgetApprox. sizeWhat that looks like locally
$150k990 sq ftaround the typical home here
$200k1320 sq ftaround the typical home here
$250k1640 sq ftabove the median — larger homes or the pricier ZIPs
$300k1970 sq ftabove the median — larger homes or the pricier ZIPs
$400k2630 sq ftabove the median — larger homes or the pricier ZIPs

Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Kentucky so you can compare your current home against every Kentucky city we track.

Kentucky home prices: frequently asked

What salary do you need to buy a house in Kentucky? +
For the typical $181,000 home in Kentucky, a household income of about $49,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $59,000; with 5% down about $61,000.
What is the average home price in Kentucky? +
The average home price in Kentucky is about $181,000 as of 2026, at roughly $152 per square foot — 37% more affordable than the U.S. median of $289,000. That figure is the statewide median across the ZIP codes we track, which is what most price reports mean by the average.
What is the median home price in Kentucky (KY)? +
About $181,000 in 2026. The median is the mid-point home — half of homes cost more, half less — and it is the better yardstick than a true mean, which a handful of luxury sales can drag upward. At $152/sq ft, a median budget in Kentucky buys roughly 1,190 sq ft of home.
Where is Kentucky most and least expensive? +
Among the 10 Kentucky cities tracked here, Lexington is the priciest (median $357,000) and Cumberland is the most affordable (median $59,000). ZIP-level prices within one city vary further, so check the city page for your area.
Are home values in Kentucky going up? +
Over the last 10 years home prices in Kentucky changed about +84.1% (≈6.3% a year), and +3.9% in the latest year, according to the FHFA house price index through 2025. Over 20 years: +96.6%. Past gains are not a guarantee of future ones.