What's a healthy ratio in Kentucky?

Under 3.0 is considered affordable; 3.0-4.0 moderate; 4.0-5.0 seriously unaffordable; over 5.0 severely unaffordable.

Does this account for interest rates?

No, price-to-income is rate-agnostic so it stays comparable across cycles.

What if my income is higher?

Your personal ratio matters more than the market median. Use it as a relative comparison.

Buyer authority KY

Most affordable cities for home buyers in Kentucky.

Affordability = how many years of household income buys the median home. This ranks Kentucky cities by price-to-income ratio (lower = more affordable).

Last updated November 2026

Kentucky ranking

50 cities ranked. Click any row for the matching local page.

#	City	Price-to-income ratio	Score
1	Prospect	1.9x income	100	View →
2	Union	2.4x income	93	View →
3	Hebron	2.4x income	93	View →
4	Crestwood	2.6x income	91	View →
5	Berea	2.8x income	87	View →
6	Burlington	2.8x income	87	View →
7	Danville	2.8x income	87	View →
8	Pikeville	2.8x income	87	View →
9	Mayfield	2.8x income	87	View →
10	Radcliff	2.8x income	87	View →
11	La Grange	2.8x income	87	View →
12	Versailles	2.8x income	87	View →
13	Lawrenceburg	2.8x income	87	View →
14	Mount Sterling	2.8x income	87	View →
15	Latonia	2.8x income	87	View →
16	Benton	2.8x income	87	View →
17	Harrodsburg	2.8x income	87	View →
18	Mount Washington	2.8x income	87	View →
19	Paris	2.8x income	87	View →
20	Hazard	2.8x income	87	View →
21	Scottsville	2.8x income	87	View →
22	Franklin	2.8x income	87	View →
23	Alexandria	2.8x income	87	View →
24	Fort Thomas	2.8x income	87	View →
25	Cynthiana	2.8x income	87	View →
26	Taylorsville	2.8x income	87	View →
27	Grayson	2.8x income	87	View →
28	Maysville	2.8x income	87	View →
29	Walton	2.8x income	87	View →
30	Lancaster	2.8x income	87	View →
31	Vine Grove	2.8x income	87	View →
32	Cadiz	2.8x income	87	View →
33	Lebanon	2.8x income	87	View →
34	Brandenburg	2.8x income	87	View →
35	Greenville	2.8x income	87	View →
36	Dry Ridge	2.8x income	87	View →
37	Fort Knox	2.8x income	87	View →
38	Greenup	2.8x income	87	View →
39	Catlettsburg	2.8x income	87	View →
40	Fairdale	2.8x income	87	View →
41	Beaver Dam	2.8x income	87	View →
42	Morganfield	2.8x income	87	View →
43	Marion	2.8x income	87	View →
44	Springfield	2.8x income	87	View →
45	Hodgenville	2.8x income	87	View →
46	Flatwoods	2.8x income	87	View →
47	Paintsville	2.8x income	87	View →
48	Falmouth	2.8x income	87	View →
49	Carrollton	2.8x income	87	View →
50	Fort Campbell	2.8x income	86	View →

Methodology

Ratio = estimated home value ÷ average household income (Census ACS). Demographia bands (under 3.0 affordable, over 5.0 severely unaffordable) are designed around medians, so treat these as directional. Cities whose true median home value likely exceeds the dataset's modeled value (e.g. SF Bay, Manhattan) are flagged in their state pages.

FAQ

What's a healthy ratio in Kentucky?: Under 3.0 is considered affordable; 3.0-4.0 moderate; 4.0-5.0 seriously unaffordable; over 5.0 severely unaffordable.
Does this account for interest rates?: No, price-to-income is rate-agnostic so it stays comparable across cycles.
What if my income is higher?: Your personal ratio matters more than the market median. Use it as a relative comparison.