Market Overview
Home Prices in Ashland, KY
The median home value in Ashland, KY is $126,566 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 3.7% compared to a year ago and up 6.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Ashland are priced69% below average. Ashland is part of the Huntington-Ashland, WV-KY-OH metro area.
Over the past five years, Ashland home values have risen by approximately5.5%, reflecting steady appreciation in this market.
Price History
Ashland Home Price Trend
City Comparison
Ashland vs. National Median
At $126,566, homes in Ashland cost 69% below the national median of $410,000. This makes Ashland a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Ashland?
20% Down Payment
$25,313
on $126,566
Monthly P&I
$660/mo
30-yr @ 6.8%
Total Monthly Est.
~$838/mo
incl. taxes & insurance
Income Needed
$33,520
gross annual (30% rule)
10% Down Option
$12,657
+ PMI applies
Loan Amount (20% dn)
$101,253
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Ashland, KY?
The median home value in Ashland is $126,566 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 3.7% year-over-year.
How much have home prices changed in Ashland?
Over the past year, home values in Ashland have decreased by 3.7%. Over five years, prices have risen approximately 5.5%.
How much do I need to earn to buy a home in Ashland?
To comfortably afford the median home price of $126,566 with a 20% down payment ($25,313) at today's rates (6.8%), you'd need a gross annual income of approximately $33,520. This assumes keeping total housing costs at or below 30% of gross income.
How does Ashland compare to the national average home price?
The national median home value is approximately $410,000. At $126,566, homes in Ashland are 69% below the national average.
What metro area is Ashland part of?
Ashland is part of the Huntington-Ashland, WV-KY-OH metropolitan area. Home prices and market conditions can vary across the broader metro region.