Market Overview
Home Prices in Harold, KY
The median home value in Harold, KY is $95,168 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 24.3% compared to a year ago and down 2.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Harold are priced77% below average.
Over the past five years, Harold home values have fallen by approximately28.8%, reflecting softening conditions in this market.
Price History
Harold Home Price Trend
2020
$117,655
$118K
—
2021
$133,573
$134K
+13.5%
2022
$139,404
$139K
+4.4%
2023
$140,196
$140K
+0.6%
2024
$129,250
$129K
-7.8%
2025
$125,680
$126K
-2.8%
2026
$95,168
$95K
-24.3%
City Comparison
Harold vs. National Median
🏠 Harold
$95,168
National Median
$410,000
At $95,168, homes in Harold cost 77% below the national median of $410,000. This makes Harold a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Harold?
20% Down Payment
$19,034
on $95,168
Monthly P&I
$496/mo
30-yr @ 6.8%
Total Monthly Est.
~$630/mo
incl. taxes & insurance
Income Needed
$25,200
gross annual (30% rule)
10% Down Option
$9,517
+ PMI applies
Loan Amount (20% dn)
$76,134
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 Harold, KY?
The median home value in Harold is $95,168 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 24.3% year-over-year.
How much have home prices changed in Harold?
Over the past year, home values in Harold have decreased by 24.3%. Over five years, prices have fallen approximately 28.8%.
How much do I need to earn to buy a home in Harold?
To comfortably afford the median home price of $95,168 with a 20% down payment ($19,034) at today's rates (6.8%), you'd need a gross annual income of approximately $25,200. This assumes keeping total housing costs at or below 30% of gross income.
How does Harold compare to the national average home price?
The national median home value is approximately $410,000. At $95,168, homes in Harold are 77% below the national average.