Market Overview
Home Prices in Graham, KY
The median home value in Graham, KY is $94,804 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 7.7% compared to a year ago and up 4.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Graham are priced77% below average. Graham is part of the Central City, KY metro area.
Over the past five years, Graham home values have fallen by approximately9.6%, reflecting softening conditions in this market.
Price History
Graham Home Price Trend
2020
$84,210
$84K
—
2021
$104,862
$105K
+24.5%
2022
$104,979
$105K
+0.1%
2023
$105,113
$105K
+0.1%
2024
$97,932
$98K
-6.8%
2025
$102,761
$103K
+4.9%
2026
$94,804
$95K
-7.7%
City Comparison
Graham vs. National Median
🏠 Graham
$94,804
National Median
$410,000
At $94,804, homes in Graham cost 77% below the national median of $410,000. This makes Graham a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Graham?
20% Down Payment
$18,961
on $94,804
Monthly P&I
$494/mo
30-yr @ 6.8%
Total Monthly Est.
~$627/mo
incl. taxes & insurance
Income Needed
$25,080
gross annual (30% rule)
10% Down Option
$9,480
+ PMI applies
Loan Amount (20% dn)
$75,843
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 Graham, KY?
The median home value in Graham is $94,804 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 7.7% year-over-year.
How much have home prices changed in Graham?
Over the past year, home values in Graham have decreased by 7.7%. Over five years, prices have fallen approximately 9.6%.
How much do I need to earn to buy a home in Graham?
To comfortably afford the median home price of $94,804 with a 20% down payment ($18,961) at today's rates (6.8%), you'd need a gross annual income of approximately $25,080. This assumes keeping total housing costs at or below 30% of gross income.
How does Graham compare to the national average home price?
The national median home value is approximately $410,000. At $94,804, homes in Graham are 77% below the national average.
What metro area is Graham part of?
Graham is part of the Central City, KY metropolitan area. Home prices and market conditions can vary across the broader metro region.