Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home in Kentucky
Where the full monthly cost of owning the local median home is lowest. Every figure includes tax, insurance, utilities and maintenance, not just the mortgage.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Kentucky ranked
| # | County | Monthly to own | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Breathitt County | $670 | $61,800 | 0.843% |
| 2 | Wolfe County | $690 | $66,400 | 0.589% |
| 3 | Letcher County | $740 | $70,500 | 0.932% |
| 4 | Leslie County | $753 | $74,100 | 0.718% |
| 5 | Knott County | $757 | $74,600 | 0.718% |
| 6 | Harlan County | $762 | $73,100 | 0.988% |
| 7 | McCreary County | $775 | $77,000 | 0.734% |
| 8 | Fulton County | $783 | $78,100 | 0.720% |
| 9 | Owsley County | $795 | $79,900 | 0.703% |
| 10 | Bell County | $820 | $83,000 | 0.743% |
| 11 | Lee County | $820 | $82,100 | 0.848% |
| 12 | Lewis County | $836 | $86,100 | 0.648% |
| 13 | Martin County | $836 | $84,900 | 0.774% |
| 14 | Clay County | $847 | $87,300 | 0.685% |
| 15 | Magoffin County | $858 | $88,300 | 0.728% |
| 16 | Perry County | $875 | $90,700 | 0.729% |
| 17 | Hickman County | $894 | $92,300 | 0.819% |
| 18 | Floyd County | $896 | $93,300 | 0.747% |
| 19 | Elliott County | $921 | $97,400 | 0.689% |
| 20 | Webster County | $946 | $97,600 | 0.985% |
| 21 | Metcalfe County | $965 | $103,100 | 0.721% |
| 22 | Butler County | $969 | $105,500 | 0.563% |
| 23 | Pike County | $974 | $104,200 | 0.727% |
| 24 | Jackson County | $986 | $107,000 | 0.638% |
| 25 | Carlisle County | $988 | $104,700 | 0.847% |
| 26 | Morgan County | $989 | $106,000 | 0.757% |
| 27 | Lawrence County | $998 | $108,100 | 0.678% |
| 28 | Menifee County | $1,006 | $111,500 | 0.500% |
| 29 | Knox County | $1,011 | $109,200 | 0.735% |
| 30 | Union County | $1,014 | $109,000 | 0.787% |
| 31 | Caldwell County | $1,022 | $113,500 | 0.523% |
| 32 | Estill County | $1,027 | $111,900 | 0.691% |
| 33 | Clinton County | $1,028 | $114,000 | 0.550% |
| 34 | Bath County | $1,030 | $111,800 | 0.731% |
| 35 | Ohio County | $1,030 | $113,400 | 0.613% |
| 36 | Crittenden County | $1,042 | $115,700 | 0.562% |
| 37 | Livingston County | $1,052 | $116,300 | 0.629% |
| 38 | Fleming County | $1,053 | $115,200 | 0.715% |
| 39 | Rockcastle County | $1,059 | $119,300 | 0.481% |
| 40 | Monroe County | $1,066 | $116,300 | 0.767% |
| 41 | Nicholas County | $1,070 | $119,600 | 0.568% |
| 42 | Green County | $1,072 | $118,900 | 0.632% |
| 43 | Bracken County | $1,083 | $116,400 | 0.939% |
| 44 | Wayne County | $1,086 | $121,700 | 0.578% |
| 45 | Whitley County | $1,086 | $120,600 | 0.657% |
| 46 | Muhlenberg County | $1,095 | $121,300 | 0.694% |
| 47 | Robertson County | $1,108 | $123,400 | 0.671% |
| 48 | Carter County | $1,109 | $126,100 | 0.493% |
| 49 | Johnson County | $1,119 | $125,300 | 0.645% |
| 50 | Hart County | $1,125 | $124,600 | 0.750% |
| 51 | Cumberland County | $1,139 | $128,600 | 0.611% |
| 52 | Boyd County | $1,161 | $126,300 | 0.976% |
| 53 | Hopkins County | $1,163 | $128,800 | 0.821% |
| 54 | Carroll County | $1,164 | $129,800 | 0.757% |
| 55 | Casey County | $1,189 | $135,700 | 0.597% |
| 56 | Ballard County | $1,192 | $132,900 | 0.803% |
| 57 | Adair County | $1,192 | $134,800 | 0.684% |
| 58 | Edmonson County | $1,194 | $136,600 | 0.582% |
| 59 | Hancock County | $1,212 | $137,600 | 0.680% |
| 60 | Graves County | $1,221 | $139,000 | 0.668% |
| 61 | Greenup County | $1,225 | $135,300 | 0.941% |
| 62 | Lincoln County | $1,231 | $139,300 | 0.732% |
| 63 | Breckinridge County | $1,231 | $141,400 | 0.605% |
| 64 | Powell County | $1,235 | $142,400 | 0.582% |
| 65 | Laurel County | $1,243 | $143,400 | 0.589% |
| 66 | McLean County | $1,270 | $145,600 | 0.676% |
| 67 | Russell County | $1,278 | $148,200 | 0.588% |
| 68 | Christian County | $1,301 | $149,200 | 0.714% |
| 69 | Logan County | $1,306 | $151,500 | 0.624% |
| 70 | Rowan County | $1,329 | $155,900 | 0.553% |
| 71 | Todd County | $1,339 | $157,400 | 0.553% |
| 72 | Pulaski County | $1,344 | $156,300 | 0.646% |
| 73 | Mason County | $1,351 | $157,500 | 0.634% |
| 74 | Grayson County | $1,360 | $160,100 | 0.560% |
| 75 | Marion County | $1,369 | $158,700 | 0.708% |
| 76 | Pendleton County | $1,393 | $160,800 | 0.775% |
| 77 | Taylor County | $1,407 | $163,700 | 0.717% |
| 78 | Montgomery County | $1,412 | $163,800 | 0.746% |
| 79 | Owen County | $1,420 | $165,000 | 0.746% |
| 80 | Barren County | $1,431 | $166,900 | 0.726% |
| 81 | Washington County | $1,440 | $168,300 | 0.716% |
| 82 | Henderson County | $1,444 | $165,700 | 0.878% |
| 83 | Gallatin County | $1,461 | $169,400 | 0.808% |
| 84 | Trimble County | $1,467 | $172,700 | 0.680% |
| 85 | Allen County | $1,474 | $176,300 | 0.551% |
| 86 | Marshall County | $1,480 | $173,700 | 0.717% |
| 87 | Larue County | $1,495 | $177,500 | 0.630% |
| 88 | Lyon County | $1,527 | $183,600 | 0.553% |
| 89 | Calloway County | $1,528 | $181,200 | 0.671% |
| 90 | McCracken County | $1,549 | $182,900 | 0.734% |
| 91 | Henry County | $1,551 | $181,300 | 0.821% |
| 92 | Grant County | $1,567 | $185,500 | 0.722% |
| 93 | Garrard County | $1,576 | $186,800 | 0.719% |
| 94 | Harrison County | $1,585 | $188,900 | 0.679% |
| 95 | Trigg County | $1,587 | $192,000 | 0.555% |
| 96 | Daviess County | $1,590 | $185,800 | 0.858% |
| 97 | Mercer County | $1,613 | $189,700 | 0.819% |
| 98 | Simpson County | $1,627 | $195,700 | 0.637% |
| 99 | Meade County | $1,634 | $195,000 | 0.711% |
| 100 | Clark County | $1,659 | $197,900 | 0.732% |
| 101 | Franklin County | $1,683 | $198,700 | 0.841% |
| 102 | Boyle County | $1,699 | $200,700 | 0.853% |
| 103 | Hardin County | $1,713 | $205,900 | 0.705% |
| 104 | Bourbon County | $1,760 | $211,600 | 0.739% |
| 105 | Anderson County | $1,782 | $213,200 | 0.796% |
| 106 | Madison County | $1,827 | $220,700 | 0.739% |
| 107 | Nelson County | $1,862 | $224,100 | 0.795% |
| 108 | Kenton County | $1,927 | $227,500 | 1.004% |
| 109 | Bullitt County | $1,944 | $233,700 | 0.853% |
| 110 | Warren County | $1,967 | $242,600 | 0.642% |
| 111 | Jefferson County | $1,970 | $237,200 | 0.853% |
| 112 | Campbell County | $1,991 | $234,500 | 1.064% |
| 113 | Jessamine County | $2,012 | $245,100 | 0.771% |
| 114 | Boone County | $2,098 | $253,200 | 0.898% |
| 115 | Scott County | $2,132 | $264,200 | 0.681% |
| 116 | Woodford County | $2,191 | $270,400 | 0.741% |
| 117 | Fayette County | $2,237 | $272,100 | 0.891% |
| 118 | Shelby County | $2,259 | $277,500 | 0.810% |
| 119 | Spencer County | $2,382 | $297,600 | 0.712% |
| 120 | Oldham County | $3,012 | $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 across all 3,133 US counties · Every county in Kentucky