Market Overview
Home Prices in Stone, KY
The median home value in Stone, KY is $81,407 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 14.4% compared to a year ago and up 5.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Stone are priced80% below average.
Over the past five years, Stone home values have fallen by approximately1.7%, reflecting softening conditions in this market.
Price History
Stone Home Price Trend
2020
$70,662
$71K
—
2021
$82,829
$83K
+17.2%
2022
$88,029
$88K
+6.3%
2023
$84,388
$84K
-4.1%
2024
$90,021
$90K
+6.7%
2025
$95,073
$95K
+5.6%
2026
$81,407
$81K
-14.4%
City Comparison
Stone vs. National Median
🏠 Stone
$81,407
National Median
$410,000
At $81,407, homes in Stone cost 80% below the national median of $410,000. This makes Stone a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Stone?
20% Down Payment
$16,281
on $81,407
Monthly P&I
$425/mo
30-yr @ 6.8%
Total Monthly Est.
~$540/mo
incl. taxes & insurance
Income Needed
$21,600
gross annual (30% rule)
10% Down Option
$8,141
+ PMI applies
Loan Amount (20% dn)
$65,126
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 Stone, KY?
The median home value in Stone is $81,407 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 14.4% year-over-year.
How much have home prices changed in Stone?
Over the past year, home values in Stone have decreased by 14.4%. Over five years, prices have fallen approximately 1.7%.
How much do I need to earn to buy a home in Stone?
To comfortably afford the median home price of $81,407 with a 20% down payment ($16,281) at today's rates (6.8%), you'd need a gross annual income of approximately $21,600. This assumes keeping total housing costs at or below 30% of gross income.
How does Stone compare to the national average home price?
The national median home value is approximately $410,000. At $81,407, homes in Stone are 80% below the national average.