Market Overview
Home Prices in Owingsville, KY
The median home value in Owingsville, KY is $189,704 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1% compared to a year ago and up 8.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Owingsville are priced54% below average. Owingsville is part of the Mount Sterling, KY metro area.
Over the past five years, Owingsville home values have risen by approximately44.9%, reflecting strong long-term appreciation in this market.
Price History
Owingsville Home Price Trend
City Comparison
Owingsville vs. National Median
At $189,704, homes in Owingsville cost 54% below the national median of $410,000. This makes Owingsville a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Owingsville?
20% Down Payment
$37,941
on $189,704
Monthly P&I
$989/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,256/mo
incl. taxes & insurance
Income Needed
$50,240
gross annual (30% rule)
10% Down Option
$18,970
+ PMI applies
Loan Amount (20% dn)
$151,763
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 Owingsville, KY?
The median home value in Owingsville is $189,704 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1% year-over-year.
How much have home prices changed in Owingsville?
Over the past year, home values in Owingsville have increased by 1%. Over five years, prices have risen approximately 44.9%.
How much do I need to earn to buy a home in Owingsville?
To comfortably afford the median home price of $189,704 with a 20% down payment ($37,941) at today's rates (6.8%), you'd need a gross annual income of approximately $50,240. This assumes keeping total housing costs at or below 30% of gross income.
How does Owingsville compare to the national average home price?
The national median home value is approximately $410,000. At $189,704, homes in Owingsville are 54% below the national average.
What metro area is Owingsville part of?
Owingsville is part of the Mount Sterling, KY metropolitan area. Home prices and market conditions can vary across the broader metro region.