Market Overview
Home Prices in Coldiron, KY
The median home value in Coldiron, KY is $77,689 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 14.1% compared to a year ago and down 0.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Coldiron are priced81% below average. Coldiron is part of the Middlesborough, KY metro area.
Over the past five years, Coldiron home values have fallen by approximately32.7%, reflecting softening conditions in this market.
Price History
Coldiron Home Price Trend
City Comparison
Coldiron vs. National Median
At $77,689, homes in Coldiron cost 81% below the national median of $410,000. This makes Coldiron a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Coldiron?
20% Down Payment
$15,538
on $77,689
Monthly P&I
$405/mo
30-yr @ 6.8%
Total Monthly Est.
~$514/mo
incl. taxes & insurance
Income Needed
$20,560
gross annual (30% rule)
10% Down Option
$7,769
+ PMI applies
Loan Amount (20% dn)
$62,151
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 Coldiron, KY?
The median home value in Coldiron is $77,689 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 14.1% year-over-year.
How much have home prices changed in Coldiron?
Over the past year, home values in Coldiron have decreased by 14.1%. Over five years, prices have fallen approximately 32.7%.
How much do I need to earn to buy a home in Coldiron?
To comfortably afford the median home price of $77,689 with a 20% down payment ($15,538) at today's rates (6.8%), you'd need a gross annual income of approximately $20,560. This assumes keeping total housing costs at or below 30% of gross income.
How does Coldiron compare to the national average home price?
The national median home value is approximately $410,000. At $77,689, homes in Coldiron are 81% below the national average.
What metro area is Coldiron part of?
Coldiron is part of the Middlesborough, KY metropolitan area. Home prices and market conditions can vary across the broader metro region.