Market Overview
Home Prices in Warsaw, KY
The median home value in Warsaw, KY is $209,778 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.8% compared to a year ago and up 2.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Warsaw are priced49% below average. Warsaw is part of the Cincinnati, OH-KY-IN metro area.
Over the past five years, Warsaw home values have risen by approximately34.4%, reflecting strong long-term appreciation in this market.
Price History
Warsaw Home Price Trend
City Comparison
Warsaw vs. National Median
At $209,778, homes in Warsaw cost 49% below the national median of $410,000. This makes Warsaw a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Warsaw?
20% Down Payment
$41,956
on $209,778
Monthly P&I
$1,094/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,389/mo
incl. taxes & insurance
Income Needed
$55,560
gross annual (30% rule)
10% Down Option
$20,978
+ PMI applies
Loan Amount (20% dn)
$167,822
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 Warsaw, KY?
The median home value in Warsaw is $209,778 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.8% year-over-year.
How much have home prices changed in Warsaw?
Over the past year, home values in Warsaw have increased by 4.8%. Over five years, prices have risen approximately 34.4%.
How much do I need to earn to buy a home in Warsaw?
To comfortably afford the median home price of $209,778 with a 20% down payment ($41,956) at today's rates (6.8%), you'd need a gross annual income of approximately $55,560. This assumes keeping total housing costs at or below 30% of gross income.
How does Warsaw compare to the national average home price?
The national median home value is approximately $410,000. At $209,778, homes in Warsaw are 49% below the national average.
What metro area is Warsaw part of?
Warsaw is part of the Cincinnati, OH-KY-IN metropolitan area. Home prices and market conditions can vary across the broader metro region.