Market Overview
Home Prices in Whitesburg, KY
The median home value in Whitesburg, KY is $90,775 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 18.3% compared to a year ago and up 9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Whitesburg are priced78% below average.
Over the past five years, Whitesburg home values have risen by approximately3.1%, reflecting modest growth in this market.
Price History
Whitesburg Home Price Trend
2020
$73,465
$73K
—
2021
$88,026
$88K
+19.8%
2022
$101,098
$101K
+14.9%
2023
$104,361
$104K
+3.2%
2024
$101,881
$102K
-2.4%
2025
$111,054
$111K
+9.0%
2026
$90,775
$91K
-18.3%
City Comparison
Whitesburg vs. National Median
🏠 Whitesburg
$90,775
National Median
$410,000
At $90,775, homes in Whitesburg cost 78% below the national median of $410,000. This makes Whitesburg a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Whitesburg?
20% Down Payment
$18,155
on $90,775
Monthly P&I
$473/mo
30-yr @ 6.8%
Total Monthly Est.
~$601/mo
incl. taxes & insurance
Income Needed
$24,040
gross annual (30% rule)
10% Down Option
$9,078
+ PMI applies
Loan Amount (20% dn)
$72,620
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 Whitesburg, KY?
The median home value in Whitesburg is $90,775 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 18.3% year-over-year.
How much have home prices changed in Whitesburg?
Over the past year, home values in Whitesburg have decreased by 18.3%. Over five years, prices have risen approximately 3.1%.
How much do I need to earn to buy a home in Whitesburg?
To comfortably afford the median home price of $90,775 with a 20% down payment ($18,155) at today's rates (6.8%), you'd need a gross annual income of approximately $24,040. This assumes keeping total housing costs at or below 30% of gross income.
How does Whitesburg compare to the national average home price?
The national median home value is approximately $410,000. At $90,775, homes in Whitesburg are 78% below the national average.