Market Overview
Home Prices in Summersville, KY
The median home value in Summersville, KY is $214,614 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 1.8% compared to a year ago and up 9.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Summersville are priced48% below average. Summersville is part of the Campbellsville, KY metro area.
Over the past five years, Summersville home values have risen by approximately41.4%, reflecting strong long-term appreciation in this market.
Price History
Summersville Home Price Trend
City Comparison
Summersville vs. National Median
At $214,614, homes in Summersville cost 48% below the national median of $410,000. This makes Summersville a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Summersville?
20% Down Payment
$42,923
on $214,614
Monthly P&I
$1,119/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,421/mo
incl. taxes & insurance
Income Needed
$56,840
gross annual (30% rule)
10% Down Option
$21,461
+ PMI applies
Loan Amount (20% dn)
$171,691
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 Summersville, KY?
The median home value in Summersville is $214,614 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 1.8% year-over-year.
How much have home prices changed in Summersville?
Over the past year, home values in Summersville have decreased by 1.8%. Over five years, prices have risen approximately 41.4%.
How much do I need to earn to buy a home in Summersville?
To comfortably afford the median home price of $214,614 with a 20% down payment ($42,923) at today's rates (6.8%), you'd need a gross annual income of approximately $56,840. This assumes keeping total housing costs at or below 30% of gross income.
How does Summersville compare to the national average home price?
The national median home value is approximately $410,000. At $214,614, homes in Summersville are 48% below the national average.
What metro area is Summersville part of?
Summersville is part of the Campbellsville, KY metropolitan area. Home prices and market conditions can vary across the broader metro region.