Market Overview
Home Prices in Sidney, KY
The median home value in Sidney, KY is $95,937 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 16.5% compared to a year ago and up 2.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Sidney are priced77% below average.
Over the past five years, Sidney home values have risen by approximately3.4%, reflecting modest growth in this market.
Price History
Sidney Home Price Trend
2020
$79,488
$79K
—
2021
$92,808
$93K
+16.8%
2022
$106,200
$106K
+14.4%
2023
$103,718
$104K
-2.3%
2024
$112,365
$112K
+8.3%
2025
$114,936
$115K
+2.3%
2026
$95,937
$96K
-16.5%
City Comparison
Sidney vs. National Median
🏠 Sidney
$95,937
National Median
$410,000
At $95,937, homes in Sidney cost 77% below the national median of $410,000. This makes Sidney a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Sidney?
20% Down Payment
$19,187
on $95,937
Monthly P&I
$500/mo
30-yr @ 6.8%
Total Monthly Est.
~$635/mo
incl. taxes & insurance
Income Needed
$25,400
gross annual (30% rule)
10% Down Option
$9,594
+ PMI applies
Loan Amount (20% dn)
$76,750
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 Sidney, KY?
The median home value in Sidney is $95,937 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 16.5% year-over-year.
How much have home prices changed in Sidney?
Over the past year, home values in Sidney have decreased by 16.5%. Over five years, prices have risen approximately 3.4%.
How much do I need to earn to buy a home in Sidney?
To comfortably afford the median home price of $95,937 with a 20% down payment ($19,187) at today's rates (6.8%), you'd need a gross annual income of approximately $25,400. This assumes keeping total housing costs at or below 30% of gross income.
How does Sidney compare to the national average home price?
The national median home value is approximately $410,000. At $95,937, homes in Sidney are 77% below the national average.