Floyd County, KY Average Home Price (2026)
The average home price in Floyd County, Kentucky is about $79,000 (the 2026 median across 23 ZIP codes, at ~$74/sq ft) — 56% more affordable than the Kentucky median and 73% more affordable than the typical U.S. home.
How Floyd County compares
Floyd County is relatively affordable for housing nationally: its typical home costs $79,000 against $181,000 for Kentucky and $289,000 for the U.S. Within the county, ZIP-level values run from about $46,000 to $148,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Floyd County | $79,000 | $74 |
| Kentucky | $181,000 | $152 |
| United States | $289,000 | $193 |
Floyd County home prices by ZIP code
The 15 most valuable ZIP codes in Floyd County (of 23 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 41216 East Point | $148,000 | $186 | +87% |
| 41651 Minnie | $141,000 | $74 | +78% |
| 41653 Prestonsburg | $128,000 | $126 | +62% |
| 41603 Banner | $116,000 | $106 | +47% |
| 41642 Ivel | $116,000 | $119 | +47% |
| 41605 Betsy Layne | $108,000 | $45 | +37% |
| 41601 Allen | $106,000 | $56 | +34% |
| 41615 Dana | $103,000 | $129 | +30% |
| 41635 Harold | $98,000 | $93 | +24% |
| 41622 Hueysville | $89,000 | $47 | +13% |
| 41602 Auxier | $82,000 | $120 | +4% |
| 41616 David | $79,000 | $55 | +0% |
| 41660 Beaver | $79,000 | $40 | +0% |
| 41631 Harold | $76,000 | $138 | -4% |
| 41645 Langley | $74,000 | $39 | -6% |
Home value appreciation in Floyd County
Home prices in Floyd County have risen about 35% over the last 10 years (≈3.1% a year) and +51.7% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at -1.2% — a recent dip. A home worth $79,000 today was worth roughly $58,432 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 Floyd County
Run the numbers for Floyd County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Floyd County
To buy the typical $79,000 home in Floyd County with 20% down, you need a household income of roughly $21,000 a year (about $500 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $26,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $4,000 | $620/mo | $27,000/yr |
| 10% (+PMI) | $7,900 | $600/mo | $26,000/yr |
| 20% | $15,800 | $500/mo | $21,000/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 Floyd County
At about $74 per square foot, here is roughly how much home different budgets get you in Floyd 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 Floyd County
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Floyd 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.