Market Overview
Home Prices in Bedford, KY
The median home value in Bedford, KY is $238,804 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 1.5% compared to a year ago and up 14.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Bedford are priced42% below average.
Over the past five years, Bedford home values have risen by approximately42.0%, reflecting strong long-term appreciation in this market.
Price History
Bedford Home Price Trend
2020
$144,946
$145K
—
2021
$168,200
$168K
+16.0%
2022
$191,477
$191K
+13.8%
2023
$196,711
$197K
+2.7%
2024
$211,437
$211K
+7.5%
2025
$242,337
$242K
+14.6%
2026
$238,804
$239K
-1.5%
City Comparison
Bedford vs. National Median
🏠 Bedford
$238,804
National Median
$410,000
At $238,804, homes in Bedford cost 42% below the national median of $410,000. This makes Bedford a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Bedford?
20% Down Payment
$47,761
on $238,804
Monthly P&I
$1,245/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,581/mo
incl. taxes & insurance
Income Needed
$63,240
gross annual (30% rule)
10% Down Option
$23,880
+ PMI applies
Loan Amount (20% dn)
$191,043
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 Bedford, KY?
The median home value in Bedford is $238,804 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 1.5% year-over-year.
How much have home prices changed in Bedford?
Over the past year, home values in Bedford have decreased by 1.5%. Over five years, prices have risen approximately 42.0%.
How much do I need to earn to buy a home in Bedford?
To comfortably afford the median home price of $238,804 with a 20% down payment ($47,761) at today's rates (6.8%), you'd need a gross annual income of approximately $63,240. This assumes keeping total housing costs at or below 30% of gross income.
How does Bedford compare to the national average home price?
The national median home value is approximately $410,000. At $238,804, homes in Bedford are 42% below the national average.