Total monthly cost of ownership
Cost to Own a Home in Campbellsburg, Kentucky
A $173,000 home here costs
$1,436per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $889. The real number is $546 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.
Campbellsburg against Henry County and Kentucky
| Measure | Campbellsburg | Henry County |
|---|---|---|
| Median home value | $172,500 | $181,300 |
| Median property tax | $1,297 | $1,489 |
| Effective tax rate | 0.752% | 0.821% |
| Median gross rent | $842 | $871 |
| Population | 1,034 | 15,774 |
The weather behind that power bill
Campbellsburg sits in Henry County, which averages a high of 87.6°F in its hottest month and a low of 25.1°F in its coldest, with 47.34" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 1,332 cooling and 4,386 heating degree days, which is what sets the $135 electricity line above.
See the full climate breakdown for Henry County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Henry County
Common questions
How much does it cost to own a home in Campbellsburg?
A $173,000 home in Campbellsburg, Kentucky costs approximately $1,436 per month with 20% down at 6.66%. That is $889 principal and interest, $108 property tax, $91 homeowners insurance, $203 utilities and $144 set aside for maintenance.
What is the property tax rate in Campbellsburg?
Campbellsburg has an effective property tax rate of 0.752%, based on a median home value of $172,500 and median real estate taxes of $1,297. That is lower than the Henry County average of 0.821%.
What is the average home price in Campbellsburg?
The median owner-occupied home value in Campbellsburg, Kentucky is $172,500, against $181,300 across Henry County.
Is it cheaper to rent or buy in Campbellsburg?
Median gross rent in Campbellsburg is $842 a month, against $1,436 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 Campbellsburg — 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.