Market Overview
Home Prices in Carrollton, KY
The median home value in Carrollton, KY is $169,203 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 2.7% compared to a year ago and up 6.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Carrollton are priced59% below average.
Over the past five years, Carrollton home values have risen by approximately44.3%, reflecting strong long-term appreciation in this market.
Price History
Carrollton Home Price Trend
2020
$93,895
$94K
—
2021
$117,265
$117K
+24.9%
2022
$140,710
$141K
+20.0%
2023
$153,506
$154K
+9.1%
2024
$162,616
$163K
+5.9%
2025
$173,826
$174K
+6.9%
2026
$169,203
$169K
-2.7%
City Comparison
Carrollton vs. National Median
🏠 Carrollton
$169,203
National Median
$410,000
At $169,203, homes in Carrollton cost 59% below the national median of $410,000. This makes Carrollton a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Carrollton?
20% Down Payment
$33,841
on $169,203
Monthly P&I
$882/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,120/mo
incl. taxes & insurance
Income Needed
$44,800
gross annual (30% rule)
10% Down Option
$16,920
+ PMI applies
Loan Amount (20% dn)
$135,362
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 Carrollton, KY?
The median home value in Carrollton is $169,203 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 2.7% year-over-year.
How much have home prices changed in Carrollton?
Over the past year, home values in Carrollton have decreased by 2.7%. Over five years, prices have risen approximately 44.3%.
How much do I need to earn to buy a home in Carrollton?
To comfortably afford the median home price of $169,203 with a 20% down payment ($33,841) at today's rates (6.8%), you'd need a gross annual income of approximately $44,800. This assumes keeping total housing costs at or below 30% of gross income.
How does Carrollton compare to the national average home price?
The national median home value is approximately $410,000. At $169,203, homes in Carrollton are 59% below the national average.