Housing Market in Kentucky

Compare median home prices, monthly mortgages, and rent-vs-own ratios across 2 cities.

Avg Home Price

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Monthly Mortgage

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vs. National

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below average

Cities Tracked

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Home Price Landscape

Zillow ZHVI

Median home values by city. Dashed line = national average ($467,370).

$322,743

$259,139

City	Median Price	Mortgage/mo	Rent vs Own
Lexington	$322,743	$1,718	0.87
Louisville	$259,139	$1,379	0.98

Zillow ZHVI — Zillow Home Value Index provides smoothed, seasonally-adjusted median home values per metro area.

Mortgage Model — 20% down, 7% 30-yr fixed. Property taxes, insurance, HOA are not included. Use as directional guidance only.

Rent vs Own Ratio — Monthly rent ÷ mortgage. Below 0.8 → buying favored. Above 1.2 → renting favored.

Updated monthly · March 2026

Crunching costs, sorting signals, rendering insights.