Market Overview
Home Prices in Georgetown, KY
The median home value in Georgetown, KY is $343,497 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.2% compared to a year ago and up 3.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Georgetown are priced16% below average. Georgetown is part of the Lexington-Fayette, KY metro area.
Over the past five years, Georgetown home values have risen by approximately36.0%, reflecting strong long-term appreciation in this market.
Price History
Georgetown Home Price Trend
City Comparison
Georgetown vs. National Median
At $343,497, homes in Georgetown cost 16% below the national median of $410,000. This makes Georgetown a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Georgetown?
20% Down Payment
$68,699
on $343,497
Monthly P&I
$1,791/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,275/mo
incl. taxes & insurance
Income Needed
$91,000
gross annual (30% rule)
10% Down Option
$34,350
+ PMI applies
Loan Amount (20% dn)
$274,798
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 Georgetown, KY?
The median home value in Georgetown is $343,497 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.2% year-over-year.
How much have home prices changed in Georgetown?
Over the past year, home values in Georgetown have increased by 4.2%. Over five years, prices have risen approximately 36.0%.
How much do I need to earn to buy a home in Georgetown?
To comfortably afford the median home price of $343,497 with a 20% down payment ($68,699) at today's rates (6.8%), you'd need a gross annual income of approximately $91,000. This assumes keeping total housing costs at or below 30% of gross income.
How does Georgetown compare to the national average home price?
The national median home value is approximately $410,000. At $343,497, homes in Georgetown are 16% below the national average.
What metro area is Georgetown part of?
Georgetown is part of the Lexington-Fayette, KY metropolitan area. Home prices and market conditions can vary across the broader metro region.