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 | Periods |
|---|---|---|---|---|
| 1 year | +4.7% | +4.7% | $314,227 | 2025 Q2 → 2026 Q2 |
| 5 years | +45.8% | +7.8% | $437,537 | 2021 Q2 → 2026 Q2 |
| 10 years | +91.2% | +6.7% | $573,620 | 2016 Q2 → 2026 Q2 |
| 20 years | +110.3% | +3.8% | $630,857 | 2006 Q2 → 2026 Q2 |
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
Counties in Kentucky
- Adair County
- Allen County
- Anderson County
- Ballard County
- Barren County
- Bath County
- Bell County
- Boone County
- Bourbon County
- Boyd County
- Boyle County
- Bracken County
- Breckinridge County
- Bullitt County
- Butler County
- Caldwell County
- Calloway County
- Campbell County
- Carroll County
- Carter County
- Casey County
- Christian County
- Clark County
- Clay County
- Clinton County
- Crittenden County
- Cumberland County
- Daviess County
- Edmonson County
- Estill County
- Fayette County
- Fleming County
- Floyd County
- Franklin County
- Fulton County
- Gallatin County
- Garrard County
- Grant County
- Graves County
- Grayson County
- Green County
- Greenup County
- Hancock County
- Hardin County
- Harlan County
- Harrison County
- Hart County
- Henderson County
- Henry County
- Hickman County
- Hopkins County
- Jackson County
- Jefferson County
- Jessamine County
- Johnson County
- Kenton County
- Knott County
- Knox County
- Larue County
- Laurel County
- Lawrence County
- Letcher County
- Lewis County
- Lincoln County
- Livingston County
- Logan County
- Lyon County
- Madison County
- Marion County
- Marshall County
- Mason County
- McCracken County
- McCreary County
- McLean County
- Meade County
- Mercer County
- Metcalfe County
- Monroe County
- Montgomery County
- Morgan County
- Muhlenberg County
- Nelson County
- Nicholas County
- Ohio County
- Oldham County
- Owen County
- Pendleton County
- Perry County
- Pike County
- Powell County
- Pulaski County
- Rockcastle County
- Rowan County
- Russell County
- Scott County
- Shelby County
- Simpson County
- Spencer County
- Taylor County
- Todd County
- Trigg County
- Trimble County
- Union County
- Warren County
- Washington County
- Wayne County
- Webster County
- Whitley County
- Woodford County
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.