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 6.66% (30-yr fixed), including Kentucky property tax and insurance. Data through 2026-06.

  1. Ashland — typical home $127K, income to buy about $35,000/yr
  2. Madisonville — typical home $157K, income to buy about $44,000/yr
  3. Paducah — typical home $192K, income to buy about $54,000/yr
  4. Hopkinsville — typical home $196K, income to buy about $55,000/yr
  5. Murray — typical home $200K, income to buy about $56,000/yr
  6. Somerset — typical home $203K, income to buy about $57,000/yr
  7. Henderson — typical home $206K, income to buy about $58,000/yr
  8. Owensboro — typical home $216K, income to buy about $61,000/yr
  9. Radcliff — typical home $217K, income to buy about $61,000/yr
  10. Campbellsville — typical home $218K, income to buy about $61,000/yr
  11. Glasgow — typical home $221K, income to buy about $62,000/yr
  12. Covington — typical home $226K, income to buy about $63,000/yr
  13. Frankfort — typical home $248K, income to buy about $69,000/yr
  14. Newport — typical home $250K, income to buy about $70,000/yr
  15. Berea — typical home $251K, income to buy about $70,000/yr
  16. Franklin — typical home $252K, income to buy about $71,000/yr
  17. Erlanger — typical home $253K, income to buy about $71,000/yr
  18. Danville — typical home $255K, income to buy about $72,000/yr
  19. Winchester — typical home $256K, income to buy about $72,000/yr
  20. Bardstown — typical home $265K, income to buy about $74,000/yr
  21. Paris — typical home $266K, income to buy about $75,000/yr
  22. Lawrenceburg — typical home $271K, income to buy about $76,000/yr
  23. Elizabethtown — typical home $272K, income to buy about $76,000/yr
  24. Bowling Green — typical home $288K, income to buy about $81,000/yr
  25. Shepherdsville — typical home $290K, income to buy about $81,000/yr

At the other end, Kentucky's priciest markets: La Grange ($112,000/yr), Fort Thomas ($107,000/yr), Versailles ($101,000/yr), Alexandria ($97,000/yr), Georgetown ($96,000/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.