Market Overview
Home Prices in Stearns, KY
The median home value in Stearns, KY is $109,767 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 11.3% compared to a year ago and up 8.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Stearns are priced73% below average.
Over the past five years, Stearns home values have risen by approximately25.2%, reflecting strong long-term appreciation in this market.
Price History
Stearns Home Price Trend
2020
$68,583
$69K
—
2021
$87,693
$88K
+27.9%
2022
$99,977
$100K
+14.0%
2023
$112,353
$112K
+12.4%
2024
$114,218
$114K
+1.7%
2025
$123,820
$124K
+8.4%
2026
$109,767
$110K
-11.3%
City Comparison
Stearns vs. National Median
🏠 Stearns
$109,767
National Median
$410,000
At $109,767, homes in Stearns cost 73% below the national median of $410,000. This makes Stearns a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Stearns?
20% Down Payment
$21,953
on $109,767
Monthly P&I
$572/mo
30-yr @ 6.8%
Total Monthly Est.
~$726/mo
incl. taxes & insurance
Income Needed
$29,040
gross annual (30% rule)
10% Down Option
$10,977
+ PMI applies
Loan Amount (20% dn)
$87,814
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 Stearns, KY?
The median home value in Stearns is $109,767 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 11.3% year-over-year.
How much have home prices changed in Stearns?
Over the past year, home values in Stearns have decreased by 11.3%. Over five years, prices have risen approximately 25.2%.
How much do I need to earn to buy a home in Stearns?
To comfortably afford the median home price of $109,767 with a 20% down payment ($21,953) at today's rates (6.8%), you'd need a gross annual income of approximately $29,040. This assumes keeping total housing costs at or below 30% of gross income.
How does Stearns compare to the national average home price?
The national median home value is approximately $410,000. At $109,767, homes in Stearns are 73% below the national average.