Kentucky Average Home Price by City (2026)

The average home price in Kentucky (KY) is about $184,500 — the 2026 median, at ~$152/sq ft — 37% more affordable than the typical U.S. home.

$184,500
Kentucky median value
$152
Median price / sq ft
~1,210
sq ft a median budget buys
-37%
vs U.S. median
Louisville — $254,000LouisvilleLexington — $362,500Pineville — $83,000PinevilleBowling Green — $326,000Worthville — $199,000WorthvilleMaysville — $167,000Cumberland — $60,000

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 $184,500 and a local rate near $152 per square foot. Among the 10 Kentucky cities we track, Lexington is the most expensive (median $362,500) and Cumberland is the most affordable (median $60,000) — so where you land in the state matters as much as the state itself.

Browse Kentucky cities

Lexington$362,500Bowling Green$326,000Louisville$254,000Worthville$199,000Payneville$188,000Maysville$167,000Boons Camp$118,000Bimble$115,500Pineville$83,000Cumberland$60,000

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.

Salary needed to buy a home in Kentucky

To buy the typical $184,500 home in Kentucky with 20% down, you need a household income of roughly $50,000 a year (about $1,170 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $60,000, because the loan is bigger and mortgage insurance kicks in.

Down paymentCash downMonthly paymentIncome needed
5% (+PMI)$9,200$1,460/mo$62,000/yr
10% (+PMI)$18,500$1,390/mo$60,000/yr
20%$36,900$1,170/mo$50,000/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 $184,500 home in Kentucky, a household income of about $50,000 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 $60,000; with 5% down about $62,000.
What is the average home price in Kentucky? +
The average home price in Kentucky is about $184,500 as of 2026, at roughly $152 per square foot — 37% more affordable than the U.S. median of $294,000. 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 $184,500 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 1,210 sq ft of home.
Where is Kentucky most and least expensive? +
Among the 10 Kentucky cities tracked here, Lexington is the priciest (median $362,500) and Cumberland is the most affordable (median $60,000). ZIP-level prices within one city vary further, so check the city page for your area.