Market Overview
Home Prices in Radcliff, KY
The median home value in Radcliff, KY is $217,095 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 2.1% compared to a year ago and up 6.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Radcliff are priced47% below average. Radcliff is part of the Elizabethtown-Fort Knox, KY metro area.
Over the past five years, Radcliff home values have risen by approximately34.8%, reflecting strong long-term appreciation in this market.
Price History
Radcliff Home Price Trend
City Comparison
Radcliff vs. National Median
At $217,095, homes in Radcliff cost 47% below the national median of $410,000. This makes Radcliff a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Radcliff?
20% Down Payment
$43,419
on $217,095
Monthly P&I
$1,132/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,438/mo
incl. taxes & insurance
Income Needed
$57,520
gross annual (30% rule)
10% Down Option
$21,710
+ PMI applies
Loan Amount (20% dn)
$173,676
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 Radcliff, KY?
The median home value in Radcliff is $217,095 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 2.1% year-over-year.
How much have home prices changed in Radcliff?
Over the past year, home values in Radcliff have decreased by 2.1%. Over five years, prices have risen approximately 34.8%.
How much do I need to earn to buy a home in Radcliff?
To comfortably afford the median home price of $217,095 with a 20% down payment ($43,419) at today's rates (6.8%), you'd need a gross annual income of approximately $57,520. This assumes keeping total housing costs at or below 30% of gross income.
How does Radcliff compare to the national average home price?
The national median home value is approximately $410,000. At $217,095, homes in Radcliff are 47% below the national average.
What metro area is Radcliff part of?
Radcliff is part of the Elizabethtown-Fort Knox, KY metropolitan area. Home prices and market conditions can vary across the broader metro region.