Total monthly cost of ownership
Cost to Own a Home in Campbellsville, Kentucky
A $163,000 home here costs
$1,369per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $838. The real number is $531 higher every month — 63% 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.
Campbellsville against Taylor County and Kentucky
| Measure | Campbellsville | Taylor County |
|---|---|---|
| Median home value | $162,900 | $163,700 |
| Median property tax | $1,282 | $1,174 |
| Effective tax rate | 0.787% | 0.717% |
| Median gross rent | $657 | $691 |
| Population | 11,523 | 26,205 |
The weather behind that power bill
Campbellsville sits in Taylor County, which averages a high of 88.4°F in its hottest month and a low of 25.5°F in its coldest, with 51.72" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 1,354 cooling and 4,280 heating degree days, which is what sets the $135 electricity line above.
See the full climate breakdown for Taylor County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Taylor County
No other places of this size are published in Taylor County.
Full Taylor County cost breakdown · Every county in Kentucky
Common questions
How much does it cost to own a home in Campbellsville?
A $163,000 home in Campbellsville, Kentucky costs approximately $1,369 per month with 20% down at 6.66%. That is $838 principal and interest, $107 property tax, $86 homeowners insurance, $203 utilities and $136 set aside for maintenance.
What is the property tax rate in Campbellsville?
Campbellsville has an effective property tax rate of 0.787%, based on a median home value of $162,900 and median real estate taxes of $1,282. That is higher than the Taylor County average of 0.717%.
What is the average home price in Campbellsville?
The median owner-occupied home value in Campbellsville, Kentucky is $162,900, against $163,700 across Taylor County.
Is it cheaper to rent or buy in Campbellsville?
Median gross rent in Campbellsville is $657 a month, against $1,369 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 Campbellsville — 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.