Market Overview
Home Prices in Rumsey, KY
The median home value in Rumsey, KY is $106,311 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 29.4% compared to a year ago and up 10.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Rumsey are priced74% below average. Rumsey is part of the Owensboro, KY metro area.
Over the past five years, Rumsey home values have fallen by approximately30.6%, reflecting softening conditions in this market.
Price History
Rumsey Home Price Trend
2021
$153,240
$153K
—
2022
$149,700
$150K
-2.3%
2023
$138,803
$139K
-7.3%
2024
$136,202
$136K
-1.9%
2025
$150,645
$151K
+10.6%
2026
$106,311
$106K
-29.4%
City Comparison
Rumsey vs. National Median
🏠 Rumsey
$106,311
National Median
$410,000
At $106,311, homes in Rumsey cost 74% below the national median of $410,000. This makes Rumsey a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Rumsey?
20% Down Payment
$21,262
on $106,311
Monthly P&I
$554/mo
30-yr @ 6.8%
Total Monthly Est.
~$704/mo
incl. taxes & insurance
Income Needed
$28,160
gross annual (30% rule)
10% Down Option
$10,631
+ PMI applies
Loan Amount (20% dn)
$85,049
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 Rumsey, KY?
The median home value in Rumsey is $106,311 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 29.4% year-over-year.
How much have home prices changed in Rumsey?
Over the past year, home values in Rumsey have decreased by 29.4%. Over five years, prices have fallen approximately 30.6%.
How much do I need to earn to buy a home in Rumsey?
To comfortably afford the median home price of $106,311 with a 20% down payment ($21,262) at today's rates (6.8%), you'd need a gross annual income of approximately $28,160. This assumes keeping total housing costs at or below 30% of gross income.
How does Rumsey compare to the national average home price?
The national median home value is approximately $410,000. At $106,311, homes in Rumsey are 74% below the national average.
What metro area is Rumsey part of?
Rumsey is part of the Owensboro, KY metropolitan area. Home prices and market conditions can vary across the broader metro region.