Market Overview
Home Prices in Whitesville, KY
The median home value in Whitesville, KY is $217,577 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 3.7% compared to a year ago and up 6.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Whitesville are priced47% below average. Whitesville is part of the Owensboro, KY metro area.
Over the past five years, Whitesville home values have risen by approximately26.6%, reflecting strong long-term appreciation in this market.
Price History
Whitesville Home Price Trend
City Comparison
Whitesville vs. National Median
At $217,577, homes in Whitesville cost 47% below the national median of $410,000. This makes Whitesville a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Whitesville?
20% Down Payment
$43,515
on $217,577
Monthly P&I
$1,135/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,441/mo
incl. taxes & insurance
Income Needed
$57,640
gross annual (30% rule)
10% Down Option
$21,758
+ PMI applies
Loan Amount (20% dn)
$174,062
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 Whitesville, KY?
The median home value in Whitesville is $217,577 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 3.7% year-over-year.
How much have home prices changed in Whitesville?
Over the past year, home values in Whitesville have decreased by 3.7%. Over five years, prices have risen approximately 26.6%.
How much do I need to earn to buy a home in Whitesville?
To comfortably afford the median home price of $217,577 with a 20% down payment ($43,515) at today's rates (6.8%), you'd need a gross annual income of approximately $57,640. This assumes keeping total housing costs at or below 30% of gross income.
How does Whitesville compare to the national average home price?
The national median home value is approximately $410,000. At $217,577, homes in Whitesville are 47% below the national average.
What metro area is Whitesville part of?
Whitesville is part of the Owensboro, KY metropolitan area. Home prices and market conditions can vary across the broader metro region.