TrueAffordHome Affordability by State
What can you afford in Kentucky?
A baseline estimate for a household earning $90,000 a year gross, with typical debts and expenses, a $30,000 down payment, and a 740-759 credit score — using Kentucky's own property tax and insurance data rather than a national average. Every assumption is editable in the full calculator below.
Kentucky's effective property tax rate is around 0.74% of home value per year — the 21st lowest in the country. Average homeowner's insurance runs near $3,288/year on a $300,000 home — the 10th highest and a state where premiums have been rising quickly due to weather- and insurer-availability pressure.
Comfortable
$246,334
Stretch
$307,044
Risky ceiling
$343,131
A lender would likely approve up to $343,131 on this baseline in Kentucky — but this household's own budget, once real expenses are counted, can only sustain $307,044. That $36,087 gap is exactly the kind of overreach this calculator exists to flag before it becomes a monthly deficit.
Open the home affordability calculator with these numbersOther states
Browse all states · Browse by income · Full mortgage calculator · Methodology