Market Overview
Home Prices in Waddy, KY
The median home value in Waddy, KY is $320,203 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 5.7% compared to a year ago and up 11.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Waddy are priced22% below average. Waddy is part of the Louisville/Jefferson County, KY-IN metro area.
Over the past five years, Waddy home values have risen by approximately18.6%, reflecting steady appreciation in this market.
Price History
Waddy Home Price Trend
City Comparison
Waddy vs. National Median
At $320,203, homes in Waddy cost 22% below the national median of $410,000. This makes Waddy a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Waddy?
20% Down Payment
$64,041
on $320,203
Monthly P&I
$1,670/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,121/mo
incl. taxes & insurance
Income Needed
$84,840
gross annual (30% rule)
10% Down Option
$32,020
+ PMI applies
Loan Amount (20% dn)
$256,162
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 Waddy, KY?
The median home value in Waddy is $320,203 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 5.7% year-over-year.
How much have home prices changed in Waddy?
Over the past year, home values in Waddy have decreased by 5.7%. Over five years, prices have risen approximately 18.6%.
How much do I need to earn to buy a home in Waddy?
To comfortably afford the median home price of $320,203 with a 20% down payment ($64,041) at today's rates (6.8%), you'd need a gross annual income of approximately $84,840. This assumes keeping total housing costs at or below 30% of gross income.
How does Waddy compare to the national average home price?
The national median home value is approximately $410,000. At $320,203, homes in Waddy are 22% below the national average.
What metro area is Waddy part of?
Waddy is part of the Louisville/Jefferson County, KY-IN metropolitan area. Home prices and market conditions can vary across the broader metro region.