Ohio County, KY Average Home Price (2026)
The average home price in Ohio County, Kentucky is about $149,000 (the 2026 median across 9 ZIP codes, at ~$152/sq ft) — 18% more affordable than the Kentucky median and 48% more affordable than the typical U.S. home.
How Ohio County compares
Ohio County is relatively affordable for housing nationally: its typical home costs $149,000 against $181,000 for Kentucky and $289,000 for the U.S. Within the county, ZIP-level values run from about $126,000 to $215,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Ohio County | $149,000 | $152 |
| Kentucky | $181,000 | $152 |
| United States | $289,000 | $193 |
Ohio County home prices by ZIP code
The 9 most valuable ZIP codes in Ohio County (of 9 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 42338 Dundee | $215,000 | $113 | +44% |
| 42378 Whitesville | $211,000 | $152 | +42% |
| 42361 Olaton | $190,000 | $314 | +28% |
| 42347 Hartford | $157,000 | $140 | +5% |
| 42320 Beaver Dam | $149,000 | $155 | +0% |
| 42343 Fordsville | $140,000 | $227 | -6% |
| 42369 Rockport | $129,000 | $68 | -13% |
| 42328 Centertown | $127,000 | $183 | -15% |
| 42349 Horse Branch | $126,000 | $66 | -15% |
Home value appreciation in Ohio County
Home prices in Ohio County have risen about 75% over the last 10 years (≈5.8% a year) and +119.6% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +9.3% — still rising. A home worth $149,000 today was worth roughly $85,046 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 Ohio County
Run the numbers for Ohio County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Ohio County
To buy the typical $149,000 home in Ohio County with 20% down, you need a household income of roughly $41,000 a year (about $950 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $48,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $7,500 | $1,180/mo | $50,000/yr |
| 10% (+PMI) | $14,900 | $1,120/mo | $48,000/yr |
| 20% | $29,800 | $950/mo | $41,000/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 Ohio County
At about $152 per square foot, here is roughly how much home different budgets get you in Ohio County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 990 sq ft | around the typical home here |
| $200k | 1320 sq ft | above the median — larger homes or the pricier ZIPs |
| $250k | 1640 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 1970 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 Ohio County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Ohio 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.