Market Overview
Home Prices in Bardstown, KY
The median home value in Bardstown, KY is $265,127 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.7% compared to a year ago and up 4.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Bardstown are priced35% below average. Bardstown is part of the Bardstown, KY metro area.
Over the past five years, Bardstown home values have risen by approximately35.3%, reflecting strong long-term appreciation in this market.
Price History
Bardstown Home Price Trend
City Comparison
Bardstown vs. National Median
At $265,127, homes in Bardstown cost 35% below the national median of $410,000. This makes Bardstown a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Bardstown?
20% Down Payment
$53,025
on $265,127
Monthly P&I
$1,383/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,756/mo
incl. taxes & insurance
Income Needed
$70,240
gross annual (30% rule)
10% Down Option
$26,513
+ PMI applies
Loan Amount (20% dn)
$212,102
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 Bardstown, KY?
The median home value in Bardstown is $265,127 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.7% year-over-year.
How much have home prices changed in Bardstown?
Over the past year, home values in Bardstown have increased by 3.7%. Over five years, prices have risen approximately 35.3%.
How much do I need to earn to buy a home in Bardstown?
To comfortably afford the median home price of $265,127 with a 20% down payment ($53,025) at today's rates (6.8%), you'd need a gross annual income of approximately $70,240. This assumes keeping total housing costs at or below 30% of gross income.
How does Bardstown compare to the national average home price?
The national median home value is approximately $410,000. At $265,127, homes in Bardstown are 35% below the national average.
What metro area is Bardstown part of?
Bardstown is part of the Bardstown, KY metropolitan area. Home prices and market conditions can vary across the broader metro region.