Nelson County, KY Average Home Price (2026)
The average home price in Nelson County, Kentucky is about $252,500 (the 2026 median across 8 ZIP codes, at ~$188/sq ft) — 40% more expensive than the Kentucky median and 13% more affordable than the typical U.S. home.
How Nelson County compares
Nelson County is about average for housing nationally: its typical home costs $252,500 against $181,000 for Kentucky and $289,000 for the U.S. Within the county, ZIP-level values run from about $211,000 to $357,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Nelson County | $252,500 | $188 |
| Kentucky | $181,000 | $152 |
| United States | $289,000 | $193 |
Nelson County home prices by ZIP code
The 8 most valuable ZIP codes in Nelson County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 40020 Fairfield | $357,000 | $188 | +41% |
| 40013 Coxs Creek | $316,000 | $181 | +25% |
| 40004 Bardstown | $264,000 | $197 | +5% |
| 40008 Bloomfield | $256,000 | $198 | +1% |
| 40107 Boston | $249,000 | $114 | -1% |
| 40052 New Hope | $224,000 | $339 | -11% |
| 40012 Chaplin | $219,000 | $161 | -13% |
| 40051 New Haven | $211,000 | $187 | -16% |
Home value appreciation in Nelson County
Home prices in Nelson County have risen about 97% over the last 10 years (≈7.0% a year) and +112.0% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +4.7% — still rising. A home worth $252,500 today was worth roughly $127,978 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 Nelson County
Run the numbers for Nelson County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Nelson County
To buy the typical $252,500 home in Nelson County with 20% down, you need a household income of roughly $69,000 a year (about $1,600 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $82,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $12,600 | $1,990/mo | $85,000/yr |
| 10% (+PMI) | $25,300 | $1,900/mo | $82,000/yr |
| 20% | $50,500 | $1,600/mo | $69,000/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 Nelson County
At about $188 per square foot, here is roughly how much home different budgets get you in Nelson County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 800 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1060 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1330 sq ft | around the typical home here |
| $300k | 1600 sq ft | around the typical home here |
| $400k | 2130 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 Nelson County
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Nelson 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.