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 6.76% (30-yr fixed), including Kentucky property tax and insurance. Data through 2026-07.

  1. Ashland — typical home $129K, income to buy about $36,000/yr
  2. Madisonville — typical home $156K, income to buy about $44,000/yr
  3. Paducah — typical home $190K, income to buy about $54,000/yr
  4. Hopkinsville — typical home $195K, income to buy about $55,000/yr
  5. Somerset — typical home $198K, income to buy about $56,000/yr
  6. Murray — typical home $201K, income to buy about $57,000/yr
  7. Henderson — typical home $207K, income to buy about $58,000/yr
  8. Radcliff — typical home $214K, income to buy about $60,000/yr
  9. Owensboro — typical home $215K, income to buy about $61,000/yr
  10. Campbellsville — typical home $218K, income to buy about $62,000/yr
  11. Glasgow — typical home $221K, income to buy about $62,000/yr
  12. Covington — typical home $223K, income to buy about $63,000/yr
  13. Newport — typical home $246K, income to buy about $70,000/yr
  14. Frankfort — typical home $248K, income to buy about $70,000/yr
  15. Franklin — typical home $251K, income to buy about $71,000/yr
  16. Berea — typical home $253K, income to buy about $71,000/yr
  17. Danville — typical home $254K, income to buy about $72,000/yr
  18. Winchester — typical home $255K, income to buy about $72,000/yr
  19. Erlanger — typical home $255K, income to buy about $72,000/yr
  20. Bardstown — typical home $264K, income to buy about $74,000/yr
  21. Paris — typical home $268K, income to buy about $76,000/yr
  22. Elizabethtown — typical home $269K, income to buy about $76,000/yr
  23. Lawrenceburg — typical home $272K, income to buy about $77,000/yr
  24. Bowling Green — typical home $287K, income to buy about $81,000/yr
  25. Shepherdsville — typical home $290K, income to buy about $82,000/yr

At the other end, Kentucky's priciest markets: La Grange ($113,000/yr), Fort Thomas ($107,000/yr), Versailles ($102,000/yr), Alexandria ($98,000/yr), Georgetown ($97,000/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.