Market Overview
Home Prices in Horse Cave, KY
The median home value in Horse Cave, KY is $178,196 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.4% compared to a year ago and up 9.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Horse Cave are priced57% below average. Horse Cave is part of the Glasgow, KY metro area.
Over the past five years, Horse Cave home values have risen by approximately47.4%, reflecting strong long-term appreciation in this market.
Price History
Horse Cave Home Price Trend
City Comparison
Horse Cave vs. National Median
At $178,196, homes in Horse Cave cost 57% below the national median of $410,000. This makes Horse Cave a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Horse Cave?
20% Down Payment
$35,639
on $178,196
Monthly P&I
$929/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,180/mo
incl. taxes & insurance
Income Needed
$47,200
gross annual (30% rule)
10% Down Option
$17,820
+ PMI applies
Loan Amount (20% dn)
$142,557
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 Horse Cave, KY?
The median home value in Horse Cave is $178,196 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.4% year-over-year.
How much have home prices changed in Horse Cave?
Over the past year, home values in Horse Cave have increased by 1.4%. Over five years, prices have risen approximately 47.4%.
How much do I need to earn to buy a home in Horse Cave?
To comfortably afford the median home price of $178,196 with a 20% down payment ($35,639) at today's rates (6.8%), you'd need a gross annual income of approximately $47,200. This assumes keeping total housing costs at or below 30% of gross income.
How does Horse Cave compare to the national average home price?
The national median home value is approximately $410,000. At $178,196, homes in Horse Cave are 57% below the national average.
What metro area is Horse Cave part of?
Horse Cave is part of the Glasgow, KY metropolitan area. Home prices and market conditions can vary across the broader metro region.