state
Home prices in Kentucky since you bought
A home in Kentucky bought 10 years ago is worth about 91.2% more today if it kept pace with its state, about 6.7% a year (2016 Q2 to 2026 Q2). The figures are the federal FHFA House Price Index, quarterly, latest 2026 Q2.
Appreciation over 1, 5, 10 and 20 years
| Window | Change | Per year | $300,000 then is now | After inflation | Periods |
|---|---|---|---|---|---|
| 1 year | +4.7% | +4.7% | $314,227 | +0.8% (+0.8%/yr) | 2025 Q2 → 2026 Q2 |
| 5 years | +45.8% | +7.8% | $437,537 | +17.6% (+3.3%/yr) | 2021 Q2 → 2026 Q2 |
| 10 years | +91.2% | +6.7% | $573,620 | +37.5% (+3.2%/yr) | 2016 Q2 → 2026 Q2 |
| 20 years | +110.3% | +3.8% | $630,857 | +27.4% (+1.2%/yr) | 2006 Q2 → 2026 Q2 |
After inflation: the same change measured in dollars of constant buying power, using the CPI-U (all items, US city average) averaged over the start and end periods; the national series, not a local cost of living.
Informational only, not an appraisal. This is the area’s average from repeat sales on conforming mortgages; it knows nothing about any particular house.
How Kentucky compares
| Area | 1 yr | 5 yr | 10 yr | 20 yr |
|---|---|---|---|---|
| Kentucky | +4.7% | +45.8% | +91.2% | +110.3% |
| United States | +3.0% | +41.3% | +93.3% | +93.5% |
Windows end at each series’ own latest period; the annual county and ZIP indexes end a few quarters before the quarterly state and metro ones.
What is your home worth since you bought it?
The home value since purchase calculator takes your purchase price, month, year and ZIP and applies the smallest area’s index, falling back to the state when the ZIP has no data.
Metro areas in Kentucky, ranked by 5-year change
| # | Area | 5 yr | Per year | 10 yr |
|---|---|---|---|---|
| 1 | Lexington-Fayette, KY | +52.5% | +8.8% | +103.3% |
| 2 | Cincinnati, OH-KY-IN | +49.9% | +8.4% | +105.8% |
| 3 | Clarksville, TN-KY | +49.4% | +8.4% | +105.2% |
| 4 | Owensboro, KY | +48.6% | +8.2% | +91.7% |
| 5 | Paducah, KY-IL | +47.3% | +8.1% | +79.1% |
| 6 | Elizabethtown, KY | +45.7% | +7.8% | +91.7% |
| 7 | Bowling Green, KY | +45.1% | +7.7% | +90.0% |
| 8 | Huntington-Ashland, WV-KY-OH | +44.9% | +7.7% | +66.3% |
| 9 | Louisville/Jefferson County, KY-IN | +40.2% | +7.0% | +87.2% |
Each row is that area’s own index over its own latest 5 and 10 years; annual county and ZIP series end earlier than quarterly state and metro ones. A dash means the index has no value at the start of that window.
Counties in Kentucky, ranked by 5-year change
| # | Area | 5 yr | Per year | 10 yr |
|---|---|---|---|---|
| 1 | Clinton County | +86.5% | +13.3% | +102.9% |
| 2 | Butler County | +78.8% | +12.3% | +118.4% |
| 3 | Marion County | +75.9% | +12.0% | +108.8% |
| 4 | Morgan County | +75.2% | +11.9% | +107.0% |
| 5 | Pendleton County | +71.6% | +11.4% | +102.3% |
| 6 | Edmonson County | +71.1% | +11.3% | +99.5% |
| 7 | Larue County | +69.7% | +11.2% | +110.5% |
| 8 | Wayne County | +67.4% | +10.8% | +102.2% |
| 9 | Allen County | +67.3% | +10.8% | +107.4% |
| 10 | Adair County | +66.3% | +10.7% | +107.7% |
| 11 | Russell County | +65.8% | +10.6% | +100.5% |
| 12 | Monroe County | +65.7% | +10.6% | +89.1% |
| 13 | Christian County | +65.3% | +10.6% | +94.9% |
| 14 | Bracken County | +62.8% | +10.2% | +82.2% |
| 15 | Metcalfe County | +62.6% | +10.2% | +93.0% |
| 16 | Taylor County | +62.2% | +10.2% | +99.6% |
| 17 | Muhlenberg County | +61.4% | +10.0% | +74.5% |
| 18 | Lincoln County | +61.3% | +10.0% | +101.9% |
| 19 | Carroll County | +60.7% | +9.9% | +83.7% |
| 20 | Hardin County | +60.6% | +9.9% | +89.9% |
| 21 | Simpson County | +59.9% | +9.8% | +98.3% |
| 22 | Caldwell County | +59.8% | +9.8% | +86.2% |
| 23 | Fleming County | +59.7% | +9.8% | +81.3% |
| 24 | Rowan County | +59.5% | +9.8% | +81.4% |
| 25 | Knox County | +59.3% | +9.8% | +81.4% |
| 26 | Logan County | +59.3% | +9.8% | +97.2% |
| 27 | Washington County | +59.1% | +9.7% | +94.7% |
| 28 | Mercer County | +58.9% | +9.7% | +94.7% |
| 29 | Barren County | +58.3% | +9.6% | +89.9% |
| 30 | Todd County | +57.8% | +9.5% | +92.5% |
| 31 | Crittenden County | +57.7% | +9.5% | +76.7% |
| 32 | Green County | +57.5% | +9.5% | +99.6% |
| 33 | Pulaski County | +57.4% | +9.5% | +83.3% |
| 34 | Powell County | +57.3% | +9.5% | +91.0% |
| 35 | Garrard County | +56.8% | +9.4% | +99.6% |
| 36 | Bourbon County | +56.7% | +9.4% | +80.9% |
| 37 | Hopkins County | +56.7% | +9.4% | +78.7% |
| 38 | Jessamine County | +56.6% | +9.4% | +91.4% |
| 39 | Scott County | +56.5% | +9.4% | +92.1% |
| 40 | Nicholas County | +56.4% | +9.4% | +100.6% |
| 41 | Fayette County | +56.3% | +9.3% | +98.8% |
| 42 | Nelson County | +56.3% | +9.3% | +97.3% |
| 43 | Marshall County | +56.2% | +9.3% | +78.8% |
| 44 | Hart County | +55.5% | +9.2% | +103.0% |
| 45 | Montgomery County | +55.2% | +9.2% | +86.1% |
| 46 | Clark County | +55.0% | +9.2% | +85.3% |
| 47 | Anderson County | +54.7% | +9.1% | +90.1% |
| 48 | Trigg County | +54.3% | +9.1% | +88.8% |
| 49 | Campbell County | +54.3% | +9.1% | +101.1% |
| 50 | Franklin County | +54.2% | +9.1% | +89.3% |
| 51 | Webster County | +53.9% | +9.0% | +79.7% |
| 52 | Fulton County | +53.8% | +9.0% | +57.0% |
| 53 | Rockcastle County | +53.7% | +9.0% | +79.2% |
| 54 | Madison County | +53.5% | +9.0% | +89.2% |
| 55 | Calloway County | +53.4% | +8.9% | +73.5% |
| 56 | Union County | +53.4% | +8.9% | +72.2% |
| 57 | Henry County | +52.8% | +8.8% | +89.0% |
| 58 | Kenton County | +52.5% | +8.8% | +96.2% |
| 59 | Bell County | +52.4% | +8.8% | +57.6% |
| 60 | Grayson County | +51.4% | +8.6% | +80.3% |
| 61 | Clay County | +51.2% | +8.6% | +72.3% |
| 62 | Ohio County | +51.0% | +8.6% | +75.2% |
| 63 | Lyon County | +50.9% | +8.6% | +78.6% |
| 64 | Boone County | +50.4% | +8.5% | +87.8% |
| 65 | Woodford County | +50.4% | +8.5% | +87.3% |
| 66 | Shelby County | +50.2% | +8.5% | +88.2% |
| 67 | Oldham County | +50.1% | +8.5% | +81.2% |
| 68 | Warren County | +50.1% | +8.5% | +82.1% |
| 69 | Boyle County | +50.0% | +8.5% | +76.6% |
| 70 | Whitley County | +49.9% | +8.4% | +75.1% |
| 71 | Trimble County | +49.4% | +8.4% | +75.9% |
| 72 | Laurel County | +49.4% | +8.4% | +73.3% |
| 73 | Breckinridge County | +49.3% | +8.3% | +69.4% |
| 74 | Cumberland County | +48.7% | +8.3% | +76.1% |
| 75 | Grant County | +48.2% | +8.2% | +94.3% |
| 76 | Mason County | +48.2% | +8.2% | +75.1% |
| 77 | Estill County | +48.0% | +8.2% | +79.9% |
| 78 | Spencer County | +47.6% | +8.1% | +84.5% |
| 79 | Graves County | +47.5% | +8.1% | +70.5% |
| 80 | Ballard County | +46.8% | +8.0% | +70.4% |
| 81 | McLean County | +46.3% | +7.9% | +98.0% |
| 82 | Harrison County | +46.3% | +7.9% | +84.0% |
| 83 | Casey County | +46.2% | +7.9% | +71.5% |
| 84 | Meade County | +46.0% | +7.9% | +77.3% |
| 85 | Bullitt County | +45.8% | +7.8% | +82.9% |
| 86 | Bath County | +45.7% | +7.8% | +60.1% |
| 87 | McCracken County | +45.3% | +7.8% | +63.5% |
| 88 | Daviess County | +44.5% | +7.6% | +78.4% |
| 89 | Hancock County | +43.5% | +7.5% | +75.1% |
| 90 | Livingston County | +43.3% | +7.5% | +77.4% |
| 91 | Jefferson County | +43.3% | +7.5% | +78.4% |
| 92 | Owen County | +43.2% | +7.4% | +65.5% |
| 93 | Lewis County | +42.1% | +7.3% | — |
| 94 | Henderson County | +41.6% | +7.2% | +64.7% |
| 95 | Gallatin County | +40.0% | +7.0% | +53.6% |
| 96 | Boyd County | +38.1% | +6.7% | +49.8% |
| 97 | Greenup County | +37.7% | +6.6% | +46.0% |
| 98 | Perry County | +34.2% | +6.1% | +51.9% |
| 99 | McCreary County | +34.0% | +6.0% | +69.0% |
| 100 | Johnson County | +33.8% | +6.0% | +42.6% |
| 101 | Carter County | +31.1% | +5.6% | +47.4% |
| 102 | Floyd County | +27.3% | +5.0% | +35.2% |
| 103 | Pike County | +26.7% | +4.8% | +27.1% |
| 104 | Lawrence County | +26.1% | +4.7% | +26.2% |
| 105 | Jackson County | +19.8% | +3.7% | +29.2% |
| 106 | Letcher County | +19.3% | +3.6% | +25.3% |
| 107 | Harlan County | +12.1% | +2.3% | +29.5% |
| 108 | Hickman County | +6.2% | +1.2% | +7.9% |
| 109 | Knott County | +4.3% | +0.8% | +12.3% |
Each row is that area’s own index over its own latest 5 and 10 years; annual county and ZIP series end earlier than quarterly state and metro ones. A dash means the index has no value at the start of that window.
Where these figures come from
Series. FHFA HPI, traditional / all-transactions / quarterly, NSA, State KY, from the FHFA House Price Index datasets. Each change is the index at the end of the window divided by the index at its start, ending at the latest published period (2026 Q2). Per-year figures are compound annual rates. Snapshot vintage: master file through 2026 Q2.
What it leaves out. The index is estimated from repeat sales and appraisals on mortgages bought or guaranteed by Fannie Mae and Freddie Mac, so cash, jumbo, FHA and VA purchases are not in it. It tracks the area, not any house: renovations, condition and lot are invisible to it.
Data pulled 2026-09-28. FHFA publishes state and metro indexes quarterly and county and ZIP indexes annually; this page updates with each pull.