Market Overview
Home Prices in Cadiz, KY
The median home value in Cadiz, KY is $127,299 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 28.6% compared to a year ago and down 2.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cadiz are priced69% below average. Cadiz is part of the Clarksville, TN-KY metro area.
Over the past five years, Cadiz home values have fallen by approximately47.7%, reflecting softening conditions in this market.
Price History
Cadiz Home Price Trend
2020
$248,550
$249K
—
2021
$243,283
$243K
-2.1%
2022
$230,465
$230K
-5.3%
2023
$212,375
$212K
-7.8%
2024
$182,362
$182K
-14.1%
2025
$178,236
$178K
-2.3%
2026
$127,299
$127K
-28.6%
City Comparison
Cadiz vs. National Median
🏠 Cadiz
$127,299
National Median
$410,000
At $127,299, homes in Cadiz cost 69% below the national median of $410,000. This makes Cadiz a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cadiz?
20% Down Payment
$25,460
on $127,299
Monthly P&I
$664/mo
30-yr @ 6.8%
Total Monthly Est.
~$843/mo
incl. taxes & insurance
Income Needed
$33,720
gross annual (30% rule)
10% Down Option
$12,730
+ PMI applies
Loan Amount (20% dn)
$101,839
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 Cadiz, KY?
The median home value in Cadiz is $127,299 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 28.6% year-over-year.
How much have home prices changed in Cadiz?
Over the past year, home values in Cadiz have decreased by 28.6%. Over five years, prices have fallen approximately 47.7%.
How much do I need to earn to buy a home in Cadiz?
To comfortably afford the median home price of $127,299 with a 20% down payment ($25,460) at today's rates (6.8%), you'd need a gross annual income of approximately $33,720. This assumes keeping total housing costs at or below 30% of gross income.
How does Cadiz compare to the national average home price?
The national median home value is approximately $410,000. At $127,299, homes in Cadiz are 69% below the national average.
What metro area is Cadiz part of?
Cadiz is part of the Clarksville, TN-KY metropolitan area. Home prices and market conditions can vary across the broader metro region.