Letcher County, KY Average Home Price (2026)
The average home price in Letcher County, Kentucky is about $72,000 (the 2026 median across 8 ZIP codes, at ~$92/sq ft) — 60% more affordable than the Kentucky median and 75% more affordable than the typical U.S. home.
How Letcher County compares
Letcher County is relatively affordable for housing nationally: its typical home costs $72,000 against $181,000 for Kentucky and $289,000 for the U.S. Within the county, ZIP-level values run from about $40,000 to $190,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Letcher County | $72,000 | $92 |
| Kentucky | $181,000 | $152 |
| United States | $289,000 | $193 |
Letcher County home prices by ZIP code
The 8 most valuable ZIP codes in Letcher County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 41832 Letcher | $190,000 | $100 | +164% |
| 40862 Eolia | $85,000 | $45 | +18% |
| 41858 Whitesburg | $84,000 | $108 | +17% |
| 40826 Eolia | $72,000 | $38 | +0% |
| 41855 Thornton | $72,000 | $119 | +0% |
| 41824 Whitesburg | $69,000 | $84 | -4% |
| 41826 Jeremiah | $59,000 | $116 | -18% |
| 41835 McRoberts | $40,000 | $72 | -44% |
Calculators for Letcher County
Run the numbers for Letcher County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Letcher County
To buy the typical $72,000 home in Letcher County with 20% down, you need a household income of roughly $20,000 a year (about $460 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $23,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $3,600 | $570/mo | $24,000/yr |
| 10% (+PMI) | $7,200 | $540/mo | $23,000/yr |
| 20% | $14,400 | $460/mo | $20,000/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 Letcher County
At about $92 per square foot, here is roughly how much home different budgets get you in Letcher County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1630 sq ft | above the median — larger homes or the pricier ZIPs |
| $200k | 2170 sq ft | above the median — larger homes or the pricier ZIPs |
| $250k | 2720 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 3260 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 Letcher County
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Letcher 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.