Market Overview
Home Prices in Cynthiana, KY
The median home value in Cynthiana, KY is $241,178 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.9% compared to a year ago and up 14.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cynthiana are priced41% below average.
Over the past five years, Cynthiana home values have risen by approximately45.4%, reflecting strong long-term appreciation in this market.
Price History
Cynthiana Home Price Trend
2020
$144,985
$145K
—
2021
$165,882
$166K
+14.4%
2022
$184,936
$185K
+11.5%
2023
$196,834
$197K
+6.4%
2024
$208,146
$208K
+5.7%
2025
$239,102
$239K
+14.9%
2026
$241,178
$241K
+0.9%
City Comparison
Cynthiana vs. National Median
🏠 Cynthiana
$241,178
National Median
$410,000
At $241,178, homes in Cynthiana cost 41% below the national median of $410,000. This makes Cynthiana a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cynthiana?
20% Down Payment
$48,236
on $241,178
Monthly P&I
$1,258/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,598/mo
incl. taxes & insurance
Income Needed
$63,920
gross annual (30% rule)
10% Down Option
$24,118
+ PMI applies
Loan Amount (20% dn)
$192,942
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 Cynthiana, KY?
The median home value in Cynthiana is $241,178 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.9% year-over-year.
How much have home prices changed in Cynthiana?
Over the past year, home values in Cynthiana have increased by 0.9%. Over five years, prices have risen approximately 45.4%.
How much do I need to earn to buy a home in Cynthiana?
To comfortably afford the median home price of $241,178 with a 20% down payment ($48,236) at today's rates (6.8%), you'd need a gross annual income of approximately $63,920. This assumes keeping total housing costs at or below 30% of gross income.
How does Cynthiana compare to the national average home price?
The national median home value is approximately $410,000. At $241,178, homes in Cynthiana are 41% below the national average.