Harlan County, KY Average Home Price (2026)
The average home price in Harlan County, Kentucky is about $84,500 (the 2026 median across 16 ZIP codes, at ~$83/sq ft) — 53% more affordable than the Kentucky median and 71% more affordable than the typical U.S. home.
How Harlan County compares
Harlan County is relatively affordable for housing nationally: its typical home costs $84,500 against $181,000 for Kentucky and $289,000 for the U.S. Within the county, ZIP-level values run from about $54,000 to $148,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Harlan County | $84,500 | $83 |
| Kentucky | $181,000 | $152 |
| United States | $289,000 | $193 |
Cities in Harlan County
Cities with their own home-value page, largest first:
Harlan County home prices by ZIP code
The 15 most valuable ZIP codes in Harlan County (of 16 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 40829 Grays Knob | $148,000 | $78 | +75% |
| 40806 Baxter | $108,000 | $95 | +28% |
| 40831 Harlan | $103,000 | $109 | +22% |
| 40819 Wallins Creek | $99,000 | $131 | +17% |
| 40870 Totz | $98,000 | $51 | +16% |
| 40865 Baxter | $96,000 | $50 | +14% |
| 40820 Cranks | $92,000 | $139 | +9% |
| 40810 Bledsoe | $91,000 | $89 | +8% |
| 40873 Wallins Creek | $78,000 | $88 | -8% |
| 40854 Loyall | $76,000 | $99 | -10% |
| 40815 Cawood | $70,000 | $37 | -17% |
| 40863 Pathfork | $70,000 | $37 | -17% |
| 40927 Holmes Mill | $66,000 | $35 | -22% |
| 40807 Cumberland | $64,000 | $74 | -24% |
| 40828 Evarts | $63,000 | $73 | -25% |
Calculators for Harlan County
Run the numbers for Harlan County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Harlan County
To buy the typical $84,500 home in Harlan County with 20% down, you need a household income of roughly $23,000 a year (about $540 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $27,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $4,200 | $670/mo | $29,000/yr |
| 10% (+PMI) | $8,500 | $640/mo | $27,000/yr |
| 20% | $16,900 | $540/mo | $23,000/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 Harlan County
At about $83 per square foot, here is roughly how much home different budgets get you in Harlan County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1810 sq ft | above the median — larger homes or the pricier ZIPs |
| $200k | 2410 sq ft | above the median — larger homes or the pricier ZIPs |
| $250k | 3010 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 3610 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 Harlan County
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Harlan County home prices: frequently asked
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Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.