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Kentucky.

46th most expensive state. Typical home $230,909 (-0.2% in a year), estimated payment $1,273 a month. As of Sep 2026.

What it costs per month · Kentucky $1,212/mo

to buy the typical home at today's mortgage rate — +$651 (+116%) since Jan 2020.

What the home itself did
1 year
Down $578 -0%
$231,487$230,909 since Sep 2025
5 years
Up $45,847 +25%
$185,062$230,909 since Sep 2021
10 years
Up $103,328 +81%
$127,581$230,909 since Sep 2016

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 2002 2006 2010 2014 2018 2022 2026 Kentucky $1,212 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • Kentucky$1,212
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 16 years.

Typical home values in Kentucky fell 0.2% over the past year — slower than the nation's +1.2%.

Buying the typical Kentucky home now takes 24% of the median household income ($63,726/yr, ACS 2020–2024) — the standard affordability line is 30%.

Share of median income needed to buy

Monthly payment for the typical home against the local median household income. Income is an annual survey, stepped — the saw-teeth are survey years, not markets.

10% 20% 30% 2011 2014 2017 2020 2023 2026 Kentucky 22.82% United States 28.57%
10% 20% 30% 2014 2020 2026
  • Kentucky22.82%
  • United States28.57%

Kentucky home values

Zillow Home Value Index against the national figure. Mid-tier homes, smoothed and seasonally adjusted.

$100,000 $200,000 $300,000 2002 2006 2010 2014 2018 2022 2026 Kentucky $230,909 United States $366,157
$100,000 $200,000 $300,000 2002 2010 2018 2026
  • Kentucky$230,909
  • United States$366,157

Metros in Kentucky

Metros Counties Cities

Largest first, by population. Zillow publishes rent for fewer metros than home values, so a dash means no series — not a market at zero.

# Metro Rent 1-yr Δ Home value 1-yr Δ
1 Lexington $1,599 +3.9% $324,999 +3.3%
2 Louisville $1,339 +2.0% $278,562 +1.5%
3 Bardstown $1,049 +1.0% $264,664 +3.9%
4 Richmond $1,062 +1.8% $262,983 +1.1%
5 Bowling Green $1,215 +1.2% $257,589 -0.4%
6 Frankfort $1,039 +1.3% $254,264 +0.6%
7 Elizabethtown $1,297 +0.6% $245,471 -3.4%
8 Danville $1,074 — $217,745 -1.8%
9 Owensboro $1,236 +3.2% $213,968 +3.5%
10 Glasgow $978 — $207,687 -2.4%
11 Campbellsville — — $201,882 +0.1%
12 Mount Sterling $1,172 — $194,558 -1.4%
13 Somerset $1,236 — $180,411 -1.4%
14 Mayfield — — $175,744 +0.4%
15 Murray $1,116 +3.6% $175,374 -13.3%
16 Maysville — — $173,325 -0.8%
17 Paducah $1,151 +8.4% $172,916 -2.3%
18 London $1,067 — $149,650 -5.2%
19 Madisonville — — $142,883 -9.0%
20 Middlesborough — — $99,037 -13.0%
21 Central City — — — —

Go deeper: every zip in Kentucky.