Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home Outright in Kentucky
Paying off a mortgage does not end the cost of a house. This ranks counties by what the median home still costs every month with no loan at all: property tax, insurance, electricity, water and maintenance. Nowhere in America is it zero.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Kentucky ranked
| # | County | Monthly if paid off | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Wolfe County | $335 | $66,400 | 0.589% |
| 2 | Breathitt County | $340 | $61,800 | 0.843% |
| 3 | Leslie County | $358 | $74,100 | 0.718% |
| 4 | Knott County | $359 | $74,600 | 0.718% |
| 5 | Letcher County | $363 | $70,500 | 0.932% |
| 6 | McCreary County | $364 | $77,000 | 0.734% |
| 7 | Fulton County | $366 | $78,100 | 0.720% |
| 8 | Owsley County | $368 | $79,900 | 0.703% |
| 9 | Harlan County | $372 | $73,100 | 0.988% |
| 10 | Lewis County | $376 | $86,100 | 0.648% |
| 11 | Bell County | $377 | $83,000 | 0.743% |
| 12 | Clay County | $381 | $87,300 | 0.685% |
| 13 | Lee County | $382 | $82,100 | 0.848% |
| 14 | Martin County | $383 | $84,900 | 0.774% |
| 15 | Magoffin County | $386 | $88,300 | 0.728% |
| 16 | Perry County | $391 | $90,700 | 0.729% |
| 17 | Floyd County | $397 | $93,300 | 0.747% |
| 18 | Elliott County | $401 | $97,400 | 0.689% |
| 19 | Hickman County | $401 | $92,300 | 0.819% |
| 20 | Butler County | $405 | $105,500 | 0.563% |
| 21 | Menifee County | $411 | $111,500 | 0.500% |
| 22 | Metcalfe County | $415 | $103,100 | 0.721% |
| 23 | Jackson County | $415 | $107,000 | 0.638% |
| 24 | Caldwell County | $416 | $113,500 | 0.523% |
| 25 | Pike County | $417 | $104,200 | 0.727% |
| 26 | Clinton County | $420 | $114,000 | 0.550% |
| 27 | Lawrence County | $421 | $108,100 | 0.678% |
| 28 | Rockcastle County | $423 | $119,300 | 0.481% |
| 29 | Morgan County | $424 | $106,000 | 0.757% |
| 30 | Crittenden County | $424 | $115,700 | 0.562% |
| 31 | Ohio County | $425 | $113,400 | 0.613% |
| 32 | Webster County | $425 | $97,600 | 0.985% |
| 33 | Knox County | $428 | $109,200 | 0.735% |
| 34 | Carlisle County | $429 | $104,700 | 0.847% |
| 35 | Estill County | $429 | $111,900 | 0.691% |
| 36 | Livingston County | $432 | $116,300 | 0.629% |
| 37 | Nicholas County | $432 | $119,600 | 0.568% |
| 38 | Union County | $432 | $109,000 | 0.787% |
| 39 | Bath County | $433 | $111,800 | 0.731% |
| 40 | Carter County | $436 | $126,100 | 0.493% |
| 41 | Wayne County | $437 | $121,700 | 0.578% |
| 42 | Green County | $437 | $118,900 | 0.632% |
| 43 | Fleming County | $438 | $115,200 | 0.715% |
| 44 | Whitley County | $443 | $120,600 | 0.657% |
| 45 | Monroe County | $445 | $116,300 | 0.767% |
| 46 | Muhlenberg County | $448 | $121,300 | 0.694% |
| 47 | Robertson County | $449 | $123,400 | 0.671% |
| 48 | Johnson County | $450 | $125,300 | 0.645% |
| 49 | Cumberland County | $453 | $128,600 | 0.611% |
| 50 | Hart County | $460 | $124,600 | 0.750% |
| 51 | Bracken County | $462 | $116,400 | 0.939% |
| 52 | Edmonson County | $465 | $136,600 | 0.582% |
| 53 | Casey County | $465 | $135,700 | 0.597% |
| 54 | Carroll County | $471 | $129,800 | 0.757% |
| 55 | Adair County | $473 | $134,800 | 0.684% |
| 56 | Powell County | $475 | $142,400 | 0.582% |
| 57 | Hopkins County | $476 | $128,800 | 0.821% |
| 58 | Breckinridge County | $476 | $141,400 | 0.605% |
| 59 | Hancock County | $478 | $137,600 | 0.680% |
| 60 | Laurel County | $478 | $143,400 | 0.589% |
| 61 | Graves County | $479 | $139,000 | 0.668% |
| 62 | Ballard County | $482 | $132,900 | 0.803% |
| 63 | Russell County | $487 | $148,200 | 0.588% |
| 64 | Lincoln County | $487 | $139,300 | 0.732% |
| 65 | Boyd County | $487 | $126,300 | 0.976% |
| 66 | McLean County | $493 | $145,600 | 0.676% |
| 67 | Rowan County | $496 | $155,900 | 0.553% |
| 68 | Logan County | $497 | $151,500 | 0.624% |
| 69 | Todd County | $499 | $157,400 | 0.553% |
| 70 | Greenup County | $503 | $135,300 | 0.941% |
| 71 | Christian County | $504 | $149,200 | 0.714% |
| 72 | Grayson County | $505 | $160,100 | 0.560% |
| 73 | Pulaski County | $509 | $156,300 | 0.646% |
| 74 | Mason County | $510 | $157,500 | 0.634% |
| 75 | Marion County | $522 | $158,700 | 0.708% |
| 76 | Taylor County | $533 | $163,700 | 0.717% |
| 77 | Allen County | $533 | $176,300 | 0.551% |
| 78 | Pendleton County | $535 | $160,800 | 0.775% |
| 79 | Montgomery County | $537 | $163,800 | 0.746% |
| 80 | Owen County | $539 | $165,000 | 0.746% |
| 81 | Barren County | $540 | $166,900 | 0.726% |
| 82 | Washington County | $542 | $168,300 | 0.716% |
| 83 | Trimble County | $545 | $172,700 | 0.680% |
| 84 | Lyon County | $547 | $183,600 | 0.553% |
| 85 | Larue County | $547 | $177,500 | 0.630% |
| 86 | Marshall County | $552 | $173,700 | 0.717% |
| 87 | Gallatin County | $557 | $169,400 | 0.808% |
| 88 | Henderson County | $559 | $165,700 | 0.878% |
| 89 | Calloway County | $560 | $181,200 | 0.671% |
| 90 | Trigg County | $562 | $192,000 | 0.555% |
| 91 | McCracken County | $573 | $182,900 | 0.734% |
| 92 | Harrison County | $576 | $188,900 | 0.679% |
| 93 | Grant County | $576 | $185,500 | 0.722% |
| 94 | Garrard County | $578 | $186,800 | 0.719% |
| 95 | Simpson County | $582 | $195,700 | 0.637% |
| 96 | Henry County | $583 | $181,300 | 0.821% |
| 97 | Meade County | $593 | $195,000 | 0.711% |
| 98 | Daviess County | $598 | $185,800 | 0.858% |
| 99 | Mercer County | $600 | $189,700 | 0.819% |
| 100 | Clark County | $602 | $197,900 | 0.732% |
| 101 | Hardin County | $613 | $205,900 | 0.705% |
| 102 | Franklin County | $622 | $198,700 | 0.841% |
| 103 | Boyle County | $628 | $200,700 | 0.853% |
| 104 | Bourbon County | $631 | $211,600 | 0.739% |
| 105 | Anderson County | $644 | $213,200 | 0.796% |
| 106 | Madison County | $648 | $220,700 | 0.739% |
| 107 | Nelson County | $666 | $224,100 | 0.795% |
| 108 | Warren County | $672 | $242,600 | 0.642% |
| 109 | Bullitt County | $696 | $233,700 | 0.853% |
| 110 | Jessamine County | $703 | $245,100 | 0.771% |
| 111 | Jefferson County | $704 | $237,200 | 0.853% |
| 112 | Kenton County | $712 | $227,500 | 1.004% |
| 113 | Scott County | $722 | $264,200 | 0.681% |
| 114 | Campbell County | $739 | $234,500 | 1.064% |
| 115 | Boone County | $746 | $253,200 | 0.898% |
| 116 | Woodford County | $747 | $270,400 | 0.741% |
| 117 | Shelby County | $777 | $277,500 | 0.810% |
| 118 | Fayette County | $784 | $272,100 | 0.891% |
| 119 | Spencer County | $794 | $297,600 | 0.712% |
| 120 | Oldham County | $1,010 | $375,000 | 0.921% |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Cheapest Counties to Own a Home Outright across all 3,133 US counties · Every county in Kentucky