Market Overview
Home Prices in Ferguson, KY
The median home value in Ferguson, KY is $160,891 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 7.8% compared to a year ago and up 1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Ferguson are priced61% below average. Ferguson is part of the Somerset, KY metro area.
Over the past five years, Ferguson home values have risen by approximately4.6%, reflecting modest growth in this market.
Price History
Ferguson Home Price Trend
2020
$125,659
$126K
—
2021
$153,753
$154K
+22.4%
2022
$164,122
$164K
+6.7%
2023
$174,346
$174K
+6.2%
2024
$172,835
$173K
-0.9%
2025
$174,478
$174K
+1.0%
2026
$160,891
$161K
-7.8%
City Comparison
Ferguson vs. National Median
🏠 Ferguson
$160,891
National Median
$410,000
At $160,891, homes in Ferguson cost 61% below the national median of $410,000. This makes Ferguson a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Ferguson?
20% Down Payment
$32,178
on $160,891
Monthly P&I
$839/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,066/mo
incl. taxes & insurance
Income Needed
$42,640
gross annual (30% rule)
10% Down Option
$16,089
+ PMI applies
Loan Amount (20% dn)
$128,713
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 Ferguson, KY?
The median home value in Ferguson is $160,891 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 7.8% year-over-year.
How much have home prices changed in Ferguson?
Over the past year, home values in Ferguson have decreased by 7.8%. Over five years, prices have risen approximately 4.6%.
How much do I need to earn to buy a home in Ferguson?
To comfortably afford the median home price of $160,891 with a 20% down payment ($32,178) at today's rates (6.8%), you'd need a gross annual income of approximately $42,640. This assumes keeping total housing costs at or below 30% of gross income.
How does Ferguson compare to the national average home price?
The national median home value is approximately $410,000. At $160,891, homes in Ferguson are 61% below the national average.
What metro area is Ferguson part of?
Ferguson is part of the Somerset, KY metropolitan area. Home prices and market conditions can vary across the broader metro region.