Total monthly cost of ownership
Cost to Own a Home in Bardstown, Kentucky
A $191,000 home here costs
$1,583per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $982. The real number is $601 higher every month — 61% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Bardstown against Nelson County and Kentucky
| Measure | Bardstown | Nelson County |
|---|---|---|
| Median home value | $190,800 | $224,100 |
| Median property tax | $1,662 | $1,782 |
| Effective tax rate | 0.871% | 0.795% |
| Median gross rent | $917 | $932 |
| Population | 13,673 | 47,102 |
The weather behind that power bill
Bardstown sits in Nelson County, which averages a high of 86.6°F in its hottest month and a low of 26.1°F in its coldest, with 51.61" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 1,273 cooling and 4,235 heating degree days, which is what sets the $135 electricity line above.
See the full climate breakdown for Nelson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Nelson County
Full Nelson County cost breakdown · Every county in Kentucky
Common questions
How much does it cost to own a home in Bardstown?
A $191,000 home in Bardstown, Kentucky costs approximately $1,583 per month with 20% down at 6.66%. That is $982 principal and interest, $139 property tax, $100 homeowners insurance, $203 utilities and $159 set aside for maintenance.
What is the property tax rate in Bardstown?
Bardstown has an effective property tax rate of 0.871%, based on a median home value of $190,800 and median real estate taxes of $1,662. That is higher than the Nelson County average of 0.795%.
What is the average home price in Bardstown?
The median owner-occupied home value in Bardstown, Kentucky is $190,800, against $224,100 across Nelson County.
Is it cheaper to rent or buy in Bardstown?
Median gross rent in Bardstown is $917 a month, against $1,583 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Bardstown — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Kentucky.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.