Market Overview
Home Prices in Carlisle, KY
The median home value in Carlisle, KY is $211,513 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 2.6% compared to a year ago and up 9.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Carlisle are priced48% below average.
Over the past five years, Carlisle home values have risen by approximately37.0%, reflecting strong long-term appreciation in this market.
Price History
Carlisle Home Price Trend
2020
$128,513
$129K
—
2021
$154,368
$154K
+20.1%
2022
$179,646
$180K
+16.4%
2023
$185,718
$186K
+3.4%
2024
$197,733
$198K
+6.5%
2025
$217,091
$217K
+9.8%
2026
$211,513
$212K
-2.6%
City Comparison
Carlisle vs. National Median
🏠 Carlisle
$211,513
National Median
$410,000
At $211,513, homes in Carlisle cost 48% below the national median of $410,000. This makes Carlisle a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Carlisle?
20% Down Payment
$42,303
on $211,513
Monthly P&I
$1,103/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,401/mo
incl. taxes & insurance
Income Needed
$56,040
gross annual (30% rule)
10% Down Option
$21,151
+ PMI applies
Loan Amount (20% dn)
$169,210
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 Carlisle, KY?
The median home value in Carlisle is $211,513 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 2.6% year-over-year.
How much have home prices changed in Carlisle?
Over the past year, home values in Carlisle have decreased by 2.6%. Over five years, prices have risen approximately 37.0%.
How much do I need to earn to buy a home in Carlisle?
To comfortably afford the median home price of $211,513 with a 20% down payment ($42,303) at today's rates (6.8%), you'd need a gross annual income of approximately $56,040. This assumes keeping total housing costs at or below 30% of gross income.
How does Carlisle compare to the national average home price?
The national median home value is approximately $410,000. At $211,513, homes in Carlisle are 48% below the national average.