Bell County, KY Average Home Price (2026)
The average home price in Bell County, Kentucky is about $90,000 (the 2026 median across 9 ZIP codes, at ~$74/sq ft) — 50% more affordable than the Kentucky median and 69% more affordable than the typical U.S. home.
How Bell County compares
Bell County is relatively affordable for housing nationally: its typical home costs $90,000 against $181,000 for Kentucky and $289,000 for the U.S. Within the county, ZIP-level values run from about $66,000 to $141,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Bell County | $90,000 | $74 |
| Kentucky | $181,000 | $152 |
| United States | $289,000 | $193 |
Cities in Bell County
Cities with their own home-value page, largest first:
Bell County home prices by ZIP code
The 9 most valuable ZIP codes in Bell County (of 9 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 40940 Frakes | $141,000 | $74 | +57% |
| 40965 Middlesboro | $119,000 | $114 | +32% |
| 40813 Pineville | $100,000 | $176 | +11% |
| 40958 Pineville | $91,000 | $48 | +1% |
| 40856 Pathfork | $90,000 | $68 | +0% |
| 40977 Pineville | $87,000 | $119 | -3% |
| 40939 Fourmile | $84,000 | $44 | -7% |
| 40988 Helton | $67,000 | $50 | -26% |
| 40902 Pineville | $66,000 | $98 | -27% |
Home value appreciation in Bell County
Home prices in Bell County have risen about 58% over the last 10 years (≈4.7% a year) and +69.8% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +8.5% — still rising. A home worth $90,000 today was worth roughly $57,107 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Kentucky is +84.1% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Bell County
Run the numbers for Bell County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Bell County
To buy the typical $90,000 home in Bell County with 20% down, you need a household income of roughly $24,000 a year (about $570 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $29,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $4,500 | $710/mo | $30,000/yr |
| 10% (+PMI) | $9,000 | $680/mo | $29,000/yr |
| 20% | $18,000 | $570/mo | $24,000/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 Bell County
At about $74 per square foot, here is roughly how much home different budgets get you in Bell County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 2030 sq ft | above the median — larger homes or the pricier ZIPs |
| $200k | 2700 sq ft | above the median — larger homes or the pricier ZIPs |
| $250k | 3380 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 4050 sq ft | above 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.
Estimate a specific home in Bell County
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Bell County home prices: frequently asked
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Browse all Kentucky cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.