The most affordable cities to buy a house in Kentucky (2026)

Every Kentucky city over 10,000 residents, ranked by the gross household income it takes to buy the typical home: 20% down at 7.24% (30-yr fixed), including Kentucky property tax and insurance. Data through 2026-09.

  1. Ashland — typical home $129K, income to buy about $38,000/yr
  2. Madisonville — typical home $154K, income to buy about $45,000/yr
  3. Paducah — typical home $193K, income to buy about $57,000/yr
  4. Hopkinsville — typical home $193K, income to buy about $57,000/yr
  5. Somerset — typical home $198K, income to buy about $58,000/yr
  6. Henderson — typical home $202K, income to buy about $59,000/yr
  7. Murray — typical home $209K, income to buy about $61,000/yr
  8. Radcliff — typical home $210K, income to buy about $62,000/yr
  9. Owensboro — typical home $213K, income to buy about $63,000/yr
  10. Campbellsville — typical home $215K, income to buy about $63,000/yr
  11. Glasgow — typical home $215K, income to buy about $63,000/yr
  12. Covington — typical home $217K, income to buy about $64,000/yr
  13. Newport — typical home $242K, income to buy about $71,000/yr
  14. Franklin — typical home $247K, income to buy about $73,000/yr
  15. Erlanger — typical home $248K, income to buy about $73,000/yr
  16. Danville — typical home $249K, income to buy about $73,000/yr
  17. Frankfort — typical home $249K, income to buy about $73,000/yr
  18. Berea — typical home $250K, income to buy about $73,000/yr
  19. Winchester — typical home $251K, income to buy about $74,000/yr
  20. Bardstown — typical home $261K, income to buy about $77,000/yr
  21. Elizabethtown — typical home $266K, income to buy about $78,000/yr
  22. Lawrenceburg — typical home $267K, income to buy about $78,000/yr
  23. Paris — typical home $268K, income to buy about $79,000/yr
  24. Bowling Green — typical home $280K, income to buy about $82,000/yr
  25. Florence — typical home $288K, income to buy about $85,000/yr

At the other end, Kentucky's priciest markets: La Grange ($116,000/yr), Fort Thomas ($110,000/yr), Versailles ($107,000/yr), Alexandria ($101,000/yr), Georgetown ($100,000/yr).

"Income to buy" holds the typical home's payment inside the 28% lender guideline. Your own verdict depends on savings and debts — open any city and run your numbers, or see the whole country on the affordability map.

i wanna buy a house .com — type a city, see its market, find out what you can afford.