Total monthly cost of ownership
Cost to Own a Home in Pineville, Kentucky
A $99,000 home here costs
$950per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $40,500 a year.
A standard mortgage calculator would have told you $540. The real number is $411 higher every month, 76% more than the payment most buyers budget for.
Compare Bell County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Pineville from a five-year rolling sample, and with about 1,906 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Bell County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Pineville against Bell County and Kentucky
| Measure | Pineville | Bell County |
|---|---|---|
| Median home value | $99,000 | $83,000 |
| Median property tax | $763 | $617 |
| Effective tax rate | 0.771% | 0.743% |
| Median gross rent | $375 | $617 |
| Population | 1,906 | 23,878 |
The weather behind that power bill
Pineville sits in Bell County, which averages a high of 87.0°F in its hottest month and a low of 24.6°F in its coldest, with 53.77" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 1,156 cooling and 4,408 heating degree days, which is what sets the $144 electricity line above.
See the full climate breakdown for Bell County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Bell County
Talk to someone who works this market
These are Pineville averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Pineville every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Pineville I already own here and may sell
Common questions
How much does it cost to own a home in Pineville?
A $99,000 home in Pineville, Kentucky costs approximately $950 per month with 20% down at 7.24%. That is $540 principal and interest, $64 property tax, $52 homeowners insurance, $212 utilities and $83 set aside for maintenance.
What is the property tax rate in Pineville?
Pineville has an effective property tax rate of 0.771%, based on a median home value of $99,000 and median real estate taxes of $763. That is higher than the Bell County average of 0.743%.
What is the average home price in Pineville?
The median owner-occupied home value in Pineville, Kentucky is $99,000, against $83,000 across Bell County.
Is it cheaper to rent or buy in Pineville?
Median gross rent in Pineville is $375 a month, against $950 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Pineville?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Pineville, Kentucky at today's rate takes a household income of roughly $40,500 a year. That covers the full $950 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Pineville, 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.