Market Overview
Home Prices in Spottsville, KY
The median home value in Spottsville, KY is $195,319 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 0.8% compared to a year ago and up 7.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Spottsville are priced52% below average. Spottsville is part of the Evansville, IN-KY metro area.
Over the past five years, Spottsville home values have risen by approximately26.8%, reflecting strong long-term appreciation in this market.
Price History
Spottsville Home Price Trend
City Comparison
Spottsville vs. National Median
At $195,319, homes in Spottsville cost 52% below the national median of $410,000. This makes Spottsville a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Spottsville?
20% Down Payment
$39,064
on $195,319
Monthly P&I
$1,019/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,294/mo
incl. taxes & insurance
Income Needed
$51,760
gross annual (30% rule)
10% Down Option
$19,532
+ PMI applies
Loan Amount (20% dn)
$156,255
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 Spottsville, KY?
The median home value in Spottsville is $195,319 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 0.8% year-over-year.
How much have home prices changed in Spottsville?
Over the past year, home values in Spottsville have decreased by 0.8%. Over five years, prices have risen approximately 26.8%.
How much do I need to earn to buy a home in Spottsville?
To comfortably afford the median home price of $195,319 with a 20% down payment ($39,064) at today's rates (6.8%), you'd need a gross annual income of approximately $51,760. This assumes keeping total housing costs at or below 30% of gross income.
How does Spottsville compare to the national average home price?
The national median home value is approximately $410,000. At $195,319, homes in Spottsville are 52% below the national average.
What metro area is Spottsville part of?
Spottsville is part of the Evansville, IN-KY metropolitan area. Home prices and market conditions can vary across the broader metro region.