Market Overview
Home Prices in Belton, KY
The median home value in Belton, KY is $142,951 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 10.5% compared to a year ago and up 13.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Belton are priced65% below average. Belton is part of the Central City, KY metro area.
Over the past five years, Belton home values have risen by approximately18.8%, reflecting steady appreciation in this market.
Price History
Belton Home Price Trend
City Comparison
Belton vs. National Median
At $142,951, homes in Belton cost 65% below the national median of $410,000. This makes Belton a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Belton?
20% Down Payment
$28,590
on $142,951
Monthly P&I
$746/mo
30-yr @ 6.8%
Total Monthly Est.
~$947/mo
incl. taxes & insurance
Income Needed
$37,880
gross annual (30% rule)
10% Down Option
$14,295
+ PMI applies
Loan Amount (20% dn)
$114,361
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 Belton, KY?
The median home value in Belton is $142,951 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 10.5% year-over-year.
How much have home prices changed in Belton?
Over the past year, home values in Belton have decreased by 10.5%. Over five years, prices have risen approximately 18.8%.
How much do I need to earn to buy a home in Belton?
To comfortably afford the median home price of $142,951 with a 20% down payment ($28,590) at today's rates (6.8%), you'd need a gross annual income of approximately $37,880. This assumes keeping total housing costs at or below 30% of gross income.
How does Belton compare to the national average home price?
The national median home value is approximately $410,000. At $142,951, homes in Belton are 65% below the national average.
What metro area is Belton part of?
Belton is part of the Central City, KY metropolitan area. Home prices and market conditions can vary across the broader metro region.