Warsaw, Kentucky.
Typical home $206,442 (+2.3% in a year). Cincinnati, OH-KY-IN metro.
to buy the typical home at today's mortgage rate — +$618 (+133%) since Jan 2020.
- 1 year
- Up $4,693 +2%
- $201,749$206,442 since Sep 2025
- 5 years
- Up $42,816 +26%
- $163,625$206,442 since Sep 2021
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.
- Warsaw$1,084
- Kentucky$1,212
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 15 years.
Typical home values in Warsaw, KY rose 2.3% over the past year — faster than the nation's +1.2%.
Living in Warsaw, Gallatin County, Kentucky
Warsaw is a city of 1,761 people in Gallatin County. Half its households earn more than $60,769 a year and half less, against $63,346 across Gallatin County. 40% of its homes are lived in by their owners and 60% are rented. Unemployment in Gallatin County was 4.0% in August 2026, and the county had 1.5% more jobs in 2025 than the year before. The most residents work in manufacturing, then schools and health care.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Warsaw is a small river city and the seat of Gallatin County, with a younger population than most places. Incomes run a little below the county's, and fewer homes are lived in by their owners than you might expect for a town this size, so renting is common. Few adults hold a four-year degree. Winters are cold, with the coldest weather in January, and summers turn warm in July. Rain and melted snow add up to a good deal over the year.
Work. Residents work mostly in manufacturing, in schools, hospitals and social care, in restaurants, hotels and entertainment, and in the building trades. Across Gallatin County, some of the largest workplaces are Dorman Products, a distribution warehouse for aftermarket automotive parts, Gallatin County Schools, and Primetals Technologies - Ghent, which makes rolling mill machinery. Unemployment in the county is a little lower than a year ago, and the county has gained jobs. Most people have a commute of moderate length, and very few work from home.
Things to do. Kentucky Speedway, a race track, is a short drive away. A longer drive brings you to the Kentucky River, and to Big Bone Lick State Park, a protected area. Cincinnati's ballpark, Great American Ball Park, is also a longer drive away.
Report a mistake
- 780households
- 16%of adults have a degree
- 22 mintypical commute
- 4%work from home
What residents work in
Employed residents by industry, from the Census survey. Gallatin County had 2,526 jobs in 2025, 1.5% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 40° and lows near 19°; warmest in July, with highs near 85° and lows near 63°. About 48 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Glencoe Northwest weather station, under a mile away (NOAA).
Largest workplaces in Gallatin County
- Dorman ProductsDistribution warehouse for aftermarket automotive parts586
- Gallatin County SchoolsSchool district197FTE
- Primetals Technologies - GhentRolling mill machinery and equipment, metalworking, manufacturing80
- Feralloy Gallatin Division, Loc'nSteel merchant wholesalers59
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 3 workplaces with 20 or more staff, 725 people in all across the county; Warsaw has one of its own. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Strong windVery high
- TornadoesVery high
- Inland floodingRelatively high
- LightningRelatively high
- Cold wavesRelatively moderate
- Ice stormsRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Warsaw’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Gallatin County and the Cincinnati, OH-KY-IN metro.
Warsaw home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Warsaw$206,442
- Kentucky$230,909
- United States$366,157
Sellers are cutting prices on about 1 in 4 Warsaw listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Warsaw25.05%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Warsaw27
New listings per month
Sellers arriving at the market.
- Warsaw7
Zip codes with a Warsaw address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Warsaw — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zillow publishes no zip-level series with this city on the address.