Cost of homeownership in Kentucky
State averages from Census ACS, energy costs from DOE EIA, and appreciation from FHFA. County-level detail is below.
Home price trend
FHFA House Price Index, quarterly.
Most expensive counties
- 1.Oldham County$357,500
- 2.Spencer County$288,200
- 3.Woodford County$259,100
- 4.Fayette County$247,900
- 5.Shelby County$247,500
- 6.Scott County$240,800
- 7.Boone County$237,600
- 8.Warren County$227,300
- 9.Jessamine County$226,900
- 10.Jefferson County$222,200
Most affordable counties
- 1.Hickman County9.0%
- 2.Knott County11.0%
- 3.Hancock County12.2%
- 4.Martin County12.4%
- 5.Casey County12.9%
- 6.Nicholas County12.9%
- 7.McLean County13.0%
- 8.Ohio County13.1%
- 9.Clinton County13.1%
- 10.Taylor County13.3%
DOE EIA residential average.
Residential baseline.
IRS SOI · TY 2022, state-level avg.
All counties in Kentucky
- Jefferson County
- Fayette County
- Kenton County
- Boone County
- Warren County
- Hardin County
- Daviess County
- Campbell County
- Madison County
- Bullitt County
- Christian County
- Oldham County
- McCracken County
- Pulaski County
- Laurel County
- Pike County
- Scott County
- Jessamine County
- Franklin County
- Boyd County
- Shelby County
- Nelson County
- Hopkins County
- Henderson County
- Barren County
- Calloway County
- Clark County
- Graves County
- Whitley County
- Greenup County
- Floyd County
- Marshall County
- Muhlenberg County
- Boyle County
- Knox County
- Meade County
- Montgomery County
- Perry County
- Logan County
- Woodford County
- Carter County
- Harlan County
- Grayson County
- Taylor County
- Grant County
- Rowan County
- Lincoln County
- Bell County
- Anderson County
- Ohio County
- Mercer County
- Johnson County
- Letcher County
- Allen County
- Breckinridge County
- Clay County
- Bourbon County
- Wayne County
- Marion County
- Simpson County
- Spencer County
- Hart County
- Adair County
- Harrison County
- Russell County
- Garrard County
- Mason County
- McCreary County
- Lawrence County
- Rockcastle County
- Casey County
- Henry County
- Fleming County
- Larue County
- Pendleton County
- Knott County
- Trigg County
- Estill County
- Morgan County
- Breathitt County
- Union County
- Powell County
- Lewis County
- Jackson County
- Webster County
- Bath County
- Caldwell County
- Butler County
- Todd County
- Edmonson County
- Washington County
- Magoffin County
- Monroe County
- Martin County
- Owen County
- Green County
- Carroll County
- Leslie County
- Metcalfe County
- Clinton County
- McLean County
- Hancock County
- Livingston County
- Crittenden County
- Lyon County
- Gallatin County
- Trimble County
- Bracken County
- Ballard County
- Nicholas County
- Elliott County
- Lee County
- Wolfe County
- Fulton County
- Menifee County
- Cumberland County
- Carlisle County
- Hickman County
- Owsley County
- Robertson County
Frequently asked questions
How much does it cost to own a home in Kentucky?
Based on Census ACS, the state average home value in Kentucky is $139,648, with median annual property tax around $1,050. Your actual cost depends on county and property.
What is the property tax in Kentucky?
Property tax rates vary by county. Kentucky's state average sits at roughly $1,050 per year on a median home. See county-level pages for local rates.
How fast are home prices appreciating in Kentucky?
FHFA House Price Index data shows Kentucky appreciating 2.4% over the last year and 44.6% over the last five years.
Is homeownership high in Kentucky?
Kentucky's homeownership rate is 73.1% (Census ACS). The share of owner-occupied units varies widely across counties.