Market Overview
Home Prices in Owenton, KY
The median home value in Owenton, KY is $156,300 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 9.8% compared to a year ago and up 10.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Owenton are priced62% below average.
Over the past five years, Owenton home values have risen by approximately20.3%, reflecting strong long-term appreciation in this market.
Price History
Owenton Home Price Trend
2020
$109,280
$109K
—
2021
$129,908
$130K
+18.9%
2022
$144,043
$144K
+10.9%
2023
$148,974
$149K
+3.4%
2024
$156,481
$156K
+5.0%
2025
$173,269
$173K
+10.7%
2026
$156,300
$156K
-9.8%
City Comparison
Owenton vs. National Median
🏠 Owenton
$156,300
National Median
$410,000
At $156,300, homes in Owenton cost 62% below the national median of $410,000. This makes Owenton a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Owenton?
20% Down Payment
$31,260
on $156,300
Monthly P&I
$815/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,035/mo
incl. taxes & insurance
Income Needed
$41,400
gross annual (30% rule)
10% Down Option
$15,630
+ PMI applies
Loan Amount (20% dn)
$125,040
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 Owenton, KY?
The median home value in Owenton is $156,300 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 9.8% year-over-year.
How much have home prices changed in Owenton?
Over the past year, home values in Owenton have decreased by 9.8%. Over five years, prices have risen approximately 20.3%.
How much do I need to earn to buy a home in Owenton?
To comfortably afford the median home price of $156,300 with a 20% down payment ($31,260) at today's rates (6.8%), you'd need a gross annual income of approximately $41,400. This assumes keeping total housing costs at or below 30% of gross income.
How does Owenton compare to the national average home price?
The national median home value is approximately $410,000. At $156,300, homes in Owenton are 62% below the national average.