Hopkins County, KY Average Home Price (2026)
The average home price in Hopkins County, Kentucky is about $139,000 (the 2026 median across 9 ZIP codes, at ~$156/sq ft) — 23% more affordable than the Kentucky median and 52% more affordable than the typical U.S. home.
How Hopkins County compares
Hopkins County is relatively affordable for housing nationally: its typical home costs $139,000 against $181,000 for Kentucky and $289,000 for the U.S. Within the county, ZIP-level values run from about $49,000 to $244,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Hopkins County | $139,000 | $156 |
| Kentucky | $181,000 | $152 |
| United States | $289,000 | $193 |
Hopkins County home prices by ZIP code
The 9 most valuable ZIP codes in Hopkins County (of 9 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 42413 Manitou | $244,000 | $156 | +76% |
| 42436 Manitou | $223,000 | $186 | +60% |
| 42441 Nebo | $162,000 | $171 | +17% |
| 42431 Madisonville | $156,000 | $127 | +12% |
| 42464 White Plains | $139,000 | $208 | +0% |
| 42442 Nortonville | $115,000 | $140 | -17% |
| 42408 Dawson Springs | $113,000 | $164 | -19% |
| 42440 Mortons Gap | $73,000 | $108 | -47% |
| 42410 Earlington | $49,000 | $58 | -65% |
Home value appreciation in Hopkins County
Home prices in Hopkins County have risen about 79% over the last 10 years (≈6.0% a year) and +114.9% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +5.9% — still rising. A home worth $139,000 today was worth roughly $77,784 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 Hopkins County
Run the numbers for Hopkins County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Hopkins County
To buy the typical $139,000 home in Hopkins County with 20% down, you need a household income of roughly $38,000 a year (about $880 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $45,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $7,000 | $1,100/mo | $47,000/yr |
| 10% (+PMI) | $13,900 | $1,050/mo | $45,000/yr |
| 20% | $27,800 | $880/mo | $38,000/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 Hopkins County
At about $156 per square foot, here is roughly how much home different budgets get you in Hopkins County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 960 sq ft | around the typical home here |
| $200k | 1280 sq ft | above the median — larger homes or the pricier ZIPs |
| $250k | 1600 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 1920 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 Hopkins County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Hopkins County home prices: frequently asked
What is the average home price in Hopkins County, KY? +
What salary do you need to buy a house in Hopkins County? +
Which part of Hopkins County is most expensive? +
Are home values in Hopkins County going up? +
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.