Market Overview
Home Prices in Millstone, KY
The median home value in Millstone, KY is $76,549 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 16.7% compared to a year ago and up 1.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Millstone are priced81% below average.
Over the past five years, Millstone home values have fallen by approximately13.8%, reflecting softening conditions in this market.
Price History
Millstone Home Price Trend
2020
$78,462
$78K
—
2021
$88,809
$89K
+13.2%
2022
$93,905
$94K
+5.7%
2023
$90,359
$90K
-3.8%
2024
$90,266
$90K
-0.1%
2025
$91,841
$92K
+1.7%
2026
$76,549
$77K
-16.7%
City Comparison
Millstone vs. National Median
🏠 Millstone
$76,549
National Median
$410,000
At $76,549, homes in Millstone cost 81% below the national median of $410,000. This makes Millstone a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Millstone?
20% Down Payment
$15,310
on $76,549
Monthly P&I
$399/mo
30-yr @ 6.8%
Total Monthly Est.
~$507/mo
incl. taxes & insurance
Income Needed
$20,280
gross annual (30% rule)
10% Down Option
$7,655
+ PMI applies
Loan Amount (20% dn)
$61,239
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 Millstone, KY?
The median home value in Millstone is $76,549 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 16.7% year-over-year.
How much have home prices changed in Millstone?
Over the past year, home values in Millstone have decreased by 16.7%. Over five years, prices have fallen approximately 13.8%.
How much do I need to earn to buy a home in Millstone?
To comfortably afford the median home price of $76,549 with a 20% down payment ($15,310) at today's rates (6.8%), you'd need a gross annual income of approximately $20,280. This assumes keeping total housing costs at or below 30% of gross income.
How does Millstone compare to the national average home price?
The national median home value is approximately $410,000. At $76,549, homes in Millstone are 81% below the national average.