Market Overview
Home Prices in Nancy, KY
The median home value in Nancy, KY is $158,082 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 5.2% compared to a year ago and down 0.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Nancy are priced61% below average. Nancy is part of the Somerset, KY metro area.
Over the past five years, Nancy home values have risen by approximately9.1%, reflecting steady appreciation in this market.
Price History
Nancy Home Price Trend
2020
$124,513
$125K
—
2021
$144,901
$145K
+16.4%
2022
$160,077
$160K
+10.5%
2023
$168,439
$168K
+5.2%
2024
$167,717
$168K
-0.4%
2025
$166,819
$167K
-0.5%
2026
$158,082
$158K
-5.2%
City Comparison
Nancy vs. National Median
🏠 Nancy
$158,082
National Median
$410,000
At $158,082, homes in Nancy cost 61% below the national median of $410,000. This makes Nancy a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Nancy?
20% Down Payment
$31,616
on $158,082
Monthly P&I
$824/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,046/mo
incl. taxes & insurance
Income Needed
$41,840
gross annual (30% rule)
10% Down Option
$15,808
+ PMI applies
Loan Amount (20% dn)
$126,466
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 Nancy, KY?
The median home value in Nancy is $158,082 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 5.2% year-over-year.
How much have home prices changed in Nancy?
Over the past year, home values in Nancy have decreased by 5.2%. Over five years, prices have risen approximately 9.1%.
How much do I need to earn to buy a home in Nancy?
To comfortably afford the median home price of $158,082 with a 20% down payment ($31,616) at today's rates (6.8%), you'd need a gross annual income of approximately $41,840. This assumes keeping total housing costs at or below 30% of gross income.
How does Nancy compare to the national average home price?
The national median home value is approximately $410,000. At $158,082, homes in Nancy are 61% below the national average.
What metro area is Nancy part of?
Nancy is part of the Somerset, KY metropolitan area. Home prices and market conditions can vary across the broader metro region.