Breckinridge County, KY Average Home Price (2026)
The average home price in Breckinridge County, Kentucky is about $183,000 (the 2026 median across 13 ZIP codes, at ~$146/sq ft) — 1% more expensive than the Kentucky median and 37% more affordable than the typical U.S. home.
How Breckinridge County compares
Breckinridge County is relatively affordable for housing nationally: its typical home costs $183,000 against $181,000 for Kentucky and $289,000 for the U.S. Within the county, ZIP-level values run from about $117,000 to $241,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Breckinridge County | $183,000 | $146 |
| Kentucky | $181,000 | $152 |
| United States | $289,000 | $193 |
Cities in Breckinridge County
Cities with their own home-value page, largest first:
Breckinridge County home prices by ZIP code
The 13 most valuable ZIP codes in Breckinridge County (of 13 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 40176 Webster | $241,000 | $137 | +32% |
| 40115 Custer | $205,000 | $108 | +12% |
| 40140 Custer | $200,000 | $106 | +9% |
| 40143 Hardinsburg | $187,000 | $165 | +2% |
| 40152 McDaniels | $185,000 | $237 | +1% |
| 40144 Hardinsburg | $183,000 | $157 | +0% |
| 40171 Payneville | $183,000 | $96 | +0% |
| 40146 Irvington | $168,000 | $146 | -8% |
| 40178 Westview | $167,000 | $225 | -9% |
| 40145 Hudson | $159,000 | $240 | -13% |
| 40119 Falls of Rough | $140,000 | $237 | -23% |
| 40170 Payneville | $122,000 | $117 | -33% |
| 40111 Cloverport | $117,000 | $77 | -36% |
Home value appreciation in Breckinridge County
Home prices in Breckinridge County have risen about 69% over the last 10 years (≈5.4% a year) and +109.5% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +3.2% — still rising. A home worth $183,000 today was worth roughly $108,028 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 Breckinridge County
Run the numbers for Breckinridge County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Breckinridge County
To buy the typical $183,000 home in Breckinridge County with 20% down, you need a household income of roughly $50,000 a year (about $1,160 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 payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $9,200 | $1,440/mo | $62,000/yr |
| 10% (+PMI) | $18,300 | $1,380/mo | $59,000/yr |
| 20% | $36,600 | $1,160/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 Breckinridge County
At about $146 per square foot, here is roughly how much home different budgets get you in Breckinridge County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1030 sq ft | around the typical home here |
| $200k | 1370 sq ft | around the typical home here |
| $250k | 1710 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 2050 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2740 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 Breckinridge County
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Breckinridge 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.