Market Overview
Home Prices in White Plains, KY
The median home value in White Plains, KY is $148,056 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 12% compared to a year ago and up 9.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in White Plains are priced64% below average. White Plains is part of the Madisonville, KY metro area.
Over the past five years, White Plains home values have risen by approximately26.9%, reflecting strong long-term appreciation in this market.
Price History
White Plains Home Price Trend
City Comparison
White Plains vs. National Median
At $148,056, homes in White Plains cost 64% below the national median of $410,000. This makes White Plains a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in White Plains?
20% Down Payment
$29,611
on $148,056
Monthly P&I
$772/mo
30-yr @ 6.8%
Total Monthly Est.
~$980/mo
incl. taxes & insurance
Income Needed
$39,200
gross annual (30% rule)
10% Down Option
$14,806
+ PMI applies
Loan Amount (20% dn)
$118,445
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 White Plains, KY?
The median home value in White Plains is $148,056 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 12% year-over-year.
How much have home prices changed in White Plains?
Over the past year, home values in White Plains have decreased by 12%. Over five years, prices have risen approximately 26.9%.
How much do I need to earn to buy a home in White Plains?
To comfortably afford the median home price of $148,056 with a 20% down payment ($29,611) at today's rates (6.8%), you'd need a gross annual income of approximately $39,200. This assumes keeping total housing costs at or below 30% of gross income.
How does White Plains compare to the national average home price?
The national median home value is approximately $410,000. At $148,056, homes in White Plains are 64% below the national average.
What metro area is White Plains part of?
White Plains is part of the Madisonville, KY metropolitan area. Home prices and market conditions can vary across the broader metro region.