Total monthly cost of ownership
Cost to Own a Home in Brownsville, Kentucky
A $157,000 home here costs
$1,282per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $807. The real number is $474 higher every month — 59% 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.
Brownsville against Edmonson County and Kentucky
| Measure | Brownsville | Edmonson County |
|---|---|---|
| Median home value | $156,800 | $136,600 |
| Median property tax | $700 | $795 |
| Effective tax rate | 0.446% | 0.582% |
| Median gross rent | $670 | $739 |
| Population | 1,066 | 12,243 |
The weather behind that power bill
Brownsville sits in Edmonson County, which averages a high of 85.5°F in its hottest month and a low of 27.4°F in its coldest, with 53.03" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 1,338 cooling and 4,036 heating degree days, which is what sets the $135 electricity line above.
See the full climate breakdown for Edmonson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Edmonson County
No other places of this size are published in Edmonson County.
Full Edmonson County cost breakdown · Every county in Kentucky
Common questions
How much does it cost to own a home in Brownsville?
A $157,000 home in Brownsville, Kentucky costs approximately $1,282 per month with 20% down at 6.66%. That is $807 principal and interest, $58 property tax, $83 homeowners insurance, $203 utilities and $131 set aside for maintenance.
What is the property tax rate in Brownsville?
Brownsville has an effective property tax rate of 0.446%, based on a median home value of $156,800 and median real estate taxes of $700. That is lower than the Edmonson County average of 0.582%.
What is the average home price in Brownsville?
The median owner-occupied home value in Brownsville, Kentucky is $156,800, against $136,600 across Edmonson County.
Is it cheaper to rent or buy in Brownsville?
Median gross rent in Brownsville is $670 a month, against $1,282 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 Brownsville — 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.