Ranked from ACS 2023 5-Year
Most Expensive Counties to Own a Home Outright in Kentucky
The counties where a paid-off house still costs the most to keep. For retirees on a fixed income this figure matters more than the purchase price, because it never goes away and it rises with assessments.
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 | Oldham County | $1,010 | $375,000 | 0.921% |
| 2 | Spencer County | $794 | $297,600 | 0.712% |
| 3 | Fayette County | $784 | $272,100 | 0.891% |
| 4 | Shelby County | $777 | $277,500 | 0.810% |
| 5 | Woodford County | $747 | $270,400 | 0.741% |
| 6 | Boone County | $746 | $253,200 | 0.898% |
| 7 | Campbell County | $739 | $234,500 | 1.064% |
| 8 | Scott County | $722 | $264,200 | 0.681% |
| 9 | Kenton County | $712 | $227,500 | 1.004% |
| 10 | Jefferson County | $704 | $237,200 | 0.853% |
| 11 | Jessamine County | $703 | $245,100 | 0.771% |
| 12 | Bullitt County | $696 | $233,700 | 0.853% |
| 13 | Warren County | $672 | $242,600 | 0.642% |
| 14 | Nelson County | $666 | $224,100 | 0.795% |
| 15 | Madison County | $648 | $220,700 | 0.739% |
| 16 | Anderson County | $644 | $213,200 | 0.796% |
| 17 | Bourbon County | $631 | $211,600 | 0.739% |
| 18 | Boyle County | $628 | $200,700 | 0.853% |
| 19 | Franklin County | $622 | $198,700 | 0.841% |
| 20 | Hardin County | $613 | $205,900 | 0.705% |
| 21 | Clark County | $602 | $197,900 | 0.732% |
| 22 | Mercer County | $600 | $189,700 | 0.819% |
| 23 | Daviess County | $598 | $185,800 | 0.858% |
| 24 | Meade County | $593 | $195,000 | 0.711% |
| 25 | Henry County | $583 | $181,300 | 0.821% |
| 26 | Simpson County | $582 | $195,700 | 0.637% |
| 27 | Garrard County | $578 | $186,800 | 0.719% |
| 28 | Grant County | $576 | $185,500 | 0.722% |
| 29 | Harrison County | $576 | $188,900 | 0.679% |
| 30 | McCracken County | $573 | $182,900 | 0.734% |
| 31 | Trigg County | $562 | $192,000 | 0.555% |
| 32 | Calloway County | $560 | $181,200 | 0.671% |
| 33 | Henderson County | $559 | $165,700 | 0.878% |
| 34 | Gallatin County | $557 | $169,400 | 0.808% |
| 35 | Marshall County | $552 | $173,700 | 0.717% |
| 36 | Larue County | $547 | $177,500 | 0.630% |
| 37 | Lyon County | $547 | $183,600 | 0.553% |
| 38 | Trimble County | $545 | $172,700 | 0.680% |
| 39 | Washington County | $542 | $168,300 | 0.716% |
| 40 | Barren County | $540 | $166,900 | 0.726% |
| 41 | Owen County | $539 | $165,000 | 0.746% |
| 42 | Montgomery County | $537 | $163,800 | 0.746% |
| 43 | Pendleton County | $535 | $160,800 | 0.775% |
| 44 | Allen County | $533 | $176,300 | 0.551% |
| 45 | Taylor County | $533 | $163,700 | 0.717% |
| 46 | Marion County | $522 | $158,700 | 0.708% |
| 47 | Mason County | $510 | $157,500 | 0.634% |
| 48 | Pulaski County | $509 | $156,300 | 0.646% |
| 49 | Grayson County | $505 | $160,100 | 0.560% |
| 50 | Christian County | $504 | $149,200 | 0.714% |
| 51 | Greenup County | $503 | $135,300 | 0.941% |
| 52 | Todd County | $499 | $157,400 | 0.553% |
| 53 | Logan County | $497 | $151,500 | 0.624% |
| 54 | Rowan County | $496 | $155,900 | 0.553% |
| 55 | McLean County | $493 | $145,600 | 0.676% |
| 56 | Boyd County | $487 | $126,300 | 0.976% |
| 57 | Lincoln County | $487 | $139,300 | 0.732% |
| 58 | Russell County | $487 | $148,200 | 0.588% |
| 59 | Ballard County | $482 | $132,900 | 0.803% |
| 60 | Graves County | $479 | $139,000 | 0.668% |
| 61 | Laurel County | $478 | $143,400 | 0.589% |
| 62 | Hancock County | $478 | $137,600 | 0.680% |
| 63 | Breckinridge County | $476 | $141,400 | 0.605% |
| 64 | Hopkins County | $476 | $128,800 | 0.821% |
| 65 | Powell County | $475 | $142,400 | 0.582% |
| 66 | Adair County | $473 | $134,800 | 0.684% |
| 67 | Carroll County | $471 | $129,800 | 0.757% |
| 68 | Casey County | $465 | $135,700 | 0.597% |
| 69 | Edmonson County | $465 | $136,600 | 0.582% |
| 70 | Bracken County | $462 | $116,400 | 0.939% |
| 71 | Hart County | $460 | $124,600 | 0.750% |
| 72 | Cumberland County | $453 | $128,600 | 0.611% |
| 73 | Johnson County | $450 | $125,300 | 0.645% |
| 74 | Robertson County | $449 | $123,400 | 0.671% |
| 75 | Muhlenberg County | $448 | $121,300 | 0.694% |
| 76 | Monroe County | $445 | $116,300 | 0.767% |
| 77 | Whitley County | $443 | $120,600 | 0.657% |
| 78 | Fleming County | $438 | $115,200 | 0.715% |
| 79 | Green County | $437 | $118,900 | 0.632% |
| 80 | Wayne County | $437 | $121,700 | 0.578% |
| 81 | Carter County | $436 | $126,100 | 0.493% |
| 82 | Bath County | $433 | $111,800 | 0.731% |
| 83 | Union County | $432 | $109,000 | 0.787% |
| 84 | Nicholas County | $432 | $119,600 | 0.568% |
| 85 | Livingston County | $432 | $116,300 | 0.629% |
| 86 | Estill County | $429 | $111,900 | 0.691% |
| 87 | Carlisle County | $429 | $104,700 | 0.847% |
| 88 | Knox County | $428 | $109,200 | 0.735% |
| 89 | Webster County | $425 | $97,600 | 0.985% |
| 90 | Ohio County | $425 | $113,400 | 0.613% |
| 91 | Crittenden County | $424 | $115,700 | 0.562% |
| 92 | Morgan County | $424 | $106,000 | 0.757% |
| 93 | Rockcastle County | $423 | $119,300 | 0.481% |
| 94 | Lawrence County | $421 | $108,100 | 0.678% |
| 95 | Clinton County | $420 | $114,000 | 0.550% |
| 96 | Pike County | $417 | $104,200 | 0.727% |
| 97 | Caldwell County | $416 | $113,500 | 0.523% |
| 98 | Jackson County | $415 | $107,000 | 0.638% |
| 99 | Metcalfe County | $415 | $103,100 | 0.721% |
| 100 | Menifee County | $411 | $111,500 | 0.500% |
| 101 | Butler County | $405 | $105,500 | 0.563% |
| 102 | Hickman County | $401 | $92,300 | 0.819% |
| 103 | Elliott County | $401 | $97,400 | 0.689% |
| 104 | Floyd County | $397 | $93,300 | 0.747% |
| 105 | Perry County | $391 | $90,700 | 0.729% |
| 106 | Magoffin County | $386 | $88,300 | 0.728% |
| 107 | Martin County | $383 | $84,900 | 0.774% |
| 108 | Lee County | $382 | $82,100 | 0.848% |
| 109 | Clay County | $381 | $87,300 | 0.685% |
| 110 | Bell County | $377 | $83,000 | 0.743% |
| 111 | Lewis County | $376 | $86,100 | 0.648% |
| 112 | Harlan County | $372 | $73,100 | 0.988% |
| 113 | Owsley County | $368 | $79,900 | 0.703% |
| 114 | Fulton County | $366 | $78,100 | 0.720% |
| 115 | McCreary County | $364 | $77,000 | 0.734% |
| 116 | Letcher County | $363 | $70,500 | 0.932% |
| 117 | Knott County | $359 | $74,600 | 0.718% |
| 118 | Leslie County | $358 | $74,100 | 0.718% |
| 119 | Breathitt County | $340 | $61,800 | 0.843% |
| 120 | Wolfe County | $335 | $66,400 | 0.589% |
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
Most Expensive Counties to Own a Home Outright across all 3,133 US counties · Every county in Kentucky