Market Overview
Home Prices in Camargo, KY
The median home value in Camargo, KY is $205,382 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.5% compared to a year ago and up 3.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Camargo are priced50% below average. Camargo is part of the Mount Sterling, KY metro area.
Over the past five years, Camargo home values have risen by approximately36.5%, reflecting strong long-term appreciation in this market.
Price History
Camargo Home Price Trend
City Comparison
Camargo vs. National Median
At $205,382, homes in Camargo cost 50% below the national median of $410,000. This makes Camargo a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Camargo?
20% Down Payment
$41,076
on $205,382
Monthly P&I
$1,071/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,360/mo
incl. taxes & insurance
Income Needed
$54,400
gross annual (30% rule)
10% Down Option
$20,538
+ PMI applies
Loan Amount (20% dn)
$164,306
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 Camargo, KY?
The median home value in Camargo is $205,382 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.5% year-over-year.
How much have home prices changed in Camargo?
Over the past year, home values in Camargo have increased by 4.5%. Over five years, prices have risen approximately 36.5%.
How much do I need to earn to buy a home in Camargo?
To comfortably afford the median home price of $205,382 with a 20% down payment ($41,076) at today's rates (6.8%), you'd need a gross annual income of approximately $54,400. This assumes keeping total housing costs at or below 30% of gross income.
How does Camargo compare to the national average home price?
The national median home value is approximately $410,000. At $205,382, homes in Camargo are 50% below the national average.
What metro area is Camargo part of?
Camargo is part of the Mount Sterling, KY metropolitan area. Home prices and market conditions can vary across the broader metro region.