Market Overview
Home Prices in Ludlow, KY
The median home value in Ludlow, KY is $219,100 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.2% compared to a year ago and up 4.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Ludlow are priced47% below average. Ludlow is part of the Cincinnati, OH-KY-IN metro area.
Over the past five years, Ludlow home values have risen by approximately29.3%, reflecting strong long-term appreciation in this market.
Price History
Ludlow Home Price Trend
City Comparison
Ludlow vs. National Median
At $219,100, homes in Ludlow cost 47% below the national median of $410,000. This makes Ludlow a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Ludlow?
20% Down Payment
$43,820
on $219,100
Monthly P&I
$1,143/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,452/mo
incl. taxes & insurance
Income Needed
$58,080
gross annual (30% rule)
10% Down Option
$21,910
+ PMI applies
Loan Amount (20% dn)
$175,280
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 Ludlow, KY?
The median home value in Ludlow is $219,100 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.2% year-over-year.
How much have home prices changed in Ludlow?
Over the past year, home values in Ludlow have increased by 0.2%. Over five years, prices have risen approximately 29.3%.
How much do I need to earn to buy a home in Ludlow?
To comfortably afford the median home price of $219,100 with a 20% down payment ($43,820) at today's rates (6.8%), you'd need a gross annual income of approximately $58,080. This assumes keeping total housing costs at or below 30% of gross income.
How does Ludlow compare to the national average home price?
The national median home value is approximately $410,000. At $219,100, homes in Ludlow are 47% below the national average.
What metro area is Ludlow part of?
Ludlow is part of the Cincinnati, OH-KY-IN metropolitan area. Home prices and market conditions can vary across the broader metro region.