Total monthly cost of ownership
Cost to Own a Home in Brodhead, Kentucky
A $113,000 home here costs
$1,001per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $581. The real number is $420 higher every month — 72% 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.
Brodhead against Rockcastle County and Kentucky
| Measure | Brodhead | Rockcastle County |
|---|---|---|
| Median home value | $112,500 | $119,300 |
| Median property tax | $759 | $574 |
| Effective tax rate | 0.675% | 0.481% |
| Median gross rent | $593 | $678 |
| Population | 1,339 | 16,144 |
The weather behind that power bill
Brodhead sits in Rockcastle County, which averages a high of 84.4°F in its hottest month and a low of 24.5°F in its coldest, with 51.35" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 1,100 cooling and 4,600 heating degree days, which is what sets the $135 electricity line above.
See the full climate breakdown for Rockcastle County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Rockcastle County
Full Rockcastle County cost breakdown · Every county in Kentucky
Common questions
How much does it cost to own a home in Brodhead?
A $113,000 home in Brodhead, Kentucky costs approximately $1,001 per month with 20% down at 6.66%. That is $581 principal and interest, $64 property tax, $59 homeowners insurance, $203 utilities and $94 set aside for maintenance.
What is the property tax rate in Brodhead?
Brodhead has an effective property tax rate of 0.675%, based on a median home value of $112,500 and median real estate taxes of $759. That is higher than the Rockcastle County average of 0.481%.
What is the average home price in Brodhead?
The median owner-occupied home value in Brodhead, Kentucky is $112,500, against $119,300 across Rockcastle County.
Is it cheaper to rent or buy in Brodhead?
Median gross rent in Brodhead is $593 a month, against $1,001 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 Brodhead — 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.