Market Overview
Home Prices in Sacramento, KY
The median home value in Sacramento, KY is $139,312 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 15.7% compared to a year ago and up 4.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Sacramento are priced66% below average. Sacramento is part of the Owensboro, KY metro area.
Over the past five years, Sacramento home values have fallen by approximately5.6%, reflecting softening conditions in this market.
Price History
Sacramento Home Price Trend
City Comparison
Sacramento vs. National Median
At $139,312, homes in Sacramento cost 66% below the national median of $410,000. This makes Sacramento a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Sacramento?
20% Down Payment
$27,862
on $139,312
Monthly P&I
$727/mo
30-yr @ 6.8%
Total Monthly Est.
~$923/mo
incl. taxes & insurance
Income Needed
$36,920
gross annual (30% rule)
10% Down Option
$13,931
+ PMI applies
Loan Amount (20% dn)
$111,450
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 Sacramento, KY?
The median home value in Sacramento is $139,312 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 15.7% year-over-year.
How much have home prices changed in Sacramento?
Over the past year, home values in Sacramento have decreased by 15.7%. Over five years, prices have fallen approximately 5.6%.
How much do I need to earn to buy a home in Sacramento?
To comfortably afford the median home price of $139,312 with a 20% down payment ($27,862) at today's rates (6.8%), you'd need a gross annual income of approximately $36,920. This assumes keeping total housing costs at or below 30% of gross income.
How does Sacramento compare to the national average home price?
The national median home value is approximately $410,000. At $139,312, homes in Sacramento are 66% below the national average.
What metro area is Sacramento part of?
Sacramento is part of the Owensboro, KY metropolitan area. Home prices and market conditions can vary across the broader metro region.