Market Overview
Home Prices in Liberty, KY
The median home value in Liberty, KY is $159,857 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 2.6% compared to a year ago and up 7.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Liberty are priced61% below average.
Over the past five years, Liberty home values have risen by approximately35.5%, reflecting strong long-term appreciation in this market.
Price History
Liberty Home Price Trend
2020
$96,852
$97K
—
2021
$117,996
$118K
+21.8%
2022
$136,990
$137K
+16.1%
2023
$144,948
$145K
+5.8%
2024
$152,197
$152K
+5.0%
2025
$164,081
$164K
+7.8%
2026
$159,857
$160K
-2.6%
City Comparison
Liberty vs. National Median
🏠 Liberty
$159,857
National Median
$410,000
At $159,857, homes in Liberty cost 61% below the national median of $410,000. This makes Liberty a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Liberty?
20% Down Payment
$31,971
on $159,857
Monthly P&I
$834/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,059/mo
incl. taxes & insurance
Income Needed
$42,360
gross annual (30% rule)
10% Down Option
$15,986
+ PMI applies
Loan Amount (20% dn)
$127,886
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 Liberty, KY?
The median home value in Liberty is $159,857 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 2.6% year-over-year.
How much have home prices changed in Liberty?
Over the past year, home values in Liberty have decreased by 2.6%. Over five years, prices have risen approximately 35.5%.
How much do I need to earn to buy a home in Liberty?
To comfortably afford the median home price of $159,857 with a 20% down payment ($31,971) at today's rates (6.8%), you'd need a gross annual income of approximately $42,360. This assumes keeping total housing costs at or below 30% of gross income.
How does Liberty compare to the national average home price?
The national median home value is approximately $410,000. At $159,857, homes in Liberty are 61% below the national average.