Market Overview
Home Prices in Dover, KY
The median home value in Dover, KY is $184,198 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 10.4% compared to a year ago and up 11.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Dover are priced55% below average. Dover is part of the Maysville, KY metro area.
Over the past five years, Dover home values have risen by approximately19.3%, reflecting steady appreciation in this market.
Price History
Dover Home Price Trend
2020
$127,222
$127K
—
2021
$154,342
$154K
+21.3%
2022
$182,185
$182K
+18.0%
2023
$176,344
$176K
-3.2%
2024
$185,102
$185K
+5.0%
2025
$205,660
$206K
+11.1%
2026
$184,198
$184K
-10.4%
City Comparison
Dover vs. National Median
🏠 Dover
$184,198
National Median
$410,000
At $184,198, homes in Dover cost 55% below the national median of $410,000. This makes Dover a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Dover?
20% Down Payment
$36,840
on $184,198
Monthly P&I
$961/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,220/mo
incl. taxes & insurance
Income Needed
$48,800
gross annual (30% rule)
10% Down Option
$18,420
+ PMI applies
Loan Amount (20% dn)
$147,358
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 Dover, KY?
The median home value in Dover is $184,198 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 10.4% year-over-year.
How much have home prices changed in Dover?
Over the past year, home values in Dover have decreased by 10.4%. Over five years, prices have risen approximately 19.3%.
How much do I need to earn to buy a home in Dover?
To comfortably afford the median home price of $184,198 with a 20% down payment ($36,840) at today's rates (6.8%), you'd need a gross annual income of approximately $48,800. This assumes keeping total housing costs at or below 30% of gross income.
How does Dover compare to the national average home price?
The national median home value is approximately $410,000. At $184,198, homes in Dover are 55% below the national average.
What metro area is Dover part of?
Dover is part of the Maysville, KY metropolitan area. Home prices and market conditions can vary across the broader metro region.