Market Overview
Home Prices in Summer Shade, KY
The median home value in Summer Shade, KY is $194,920 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 4.9% 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 Summer Shade are priced52% below average. Summer Shade is part of the Glasgow, KY metro area.
Over the past five years, Summer Shade home values have risen by approximately28.5%, reflecting strong long-term appreciation in this market.
Price History
Summer Shade Home Price Trend
City Comparison
Summer Shade vs. National Median
At $194,920, homes in Summer Shade cost 52% below the national median of $410,000. This makes Summer Shade a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Summer Shade?
20% Down Payment
$38,984
on $194,920
Monthly P&I
$1,017/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,292/mo
incl. taxes & insurance
Income Needed
$51,680
gross annual (30% rule)
10% Down Option
$19,492
+ PMI applies
Loan Amount (20% dn)
$155,936
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 Summer Shade, KY?
The median home value in Summer Shade is $194,920 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 4.9% year-over-year.
How much have home prices changed in Summer Shade?
Over the past year, home values in Summer Shade have decreased by 4.9%. Over five years, prices have risen approximately 28.5%.
How much do I need to earn to buy a home in Summer Shade?
To comfortably afford the median home price of $194,920 with a 20% down payment ($38,984) at today's rates (6.8%), you'd need a gross annual income of approximately $51,680. This assumes keeping total housing costs at or below 30% of gross income.
How does Summer Shade compare to the national average home price?
The national median home value is approximately $410,000. At $194,920, homes in Summer Shade are 52% below the national average.
What metro area is Summer Shade part of?
Summer Shade is part of the Glasgow, KY metropolitan area. Home prices and market conditions can vary across the broader metro region.