Cheapest and most expensive ZIP codes in Kentucky
Typical home values for 597 Kentucky ZIP codes with Zillow data (2026-09). Click a ZIP for its price trend and market stats.
10 most affordable ZIP codes
| ZIP | City | County | Typical value | 6-mo change |
|---|---|---|---|---|
| 41835 | McRoberts | Letcher County | $39,579 | -8.0% |
| 41669 | Wheelwright | Floyd County | $43,208 | -6.1% |
| 41840 | Fleming-Neon | Letcher County | $43,394 | -7.3% |
| 41666 | Wayland | Floyd County | $45,593 | -9.7% |
| 42410 | Earlington | Hopkins County | $49,372 | -12.6% |
| 41667 | Weeksbury | Floyd County | $49,385 | -5.5% |
| 41650 | Melvin | Floyd County | $51,651 | -12.7% |
| 41804 | Blackey | Letcher County | $51,801 | -12.6% |
| 41636 | Hi Hat | Floyd County | $51,907 | -11.8% |
| 41537 | Jenkins | Letcher County | $52,497 | -3.8% |
10 most expensive ZIP codes
| ZIP | City | County | Typical value | 6-mo change |
|---|---|---|---|---|
| 40510 | Lexington | Fayette County | $757,562 | +2.2% |
| 40059 | Prospect | Jefferson County | $631,116 | +1.9% |
| 40513 | Lexington | Fayette County | $569,824 | +2.1% |
| 40502 | Lexington | Fayette County | $560,691 | +3.4% |
| 40023 | Louisville | Shelby County | $550,330 | +1.7% |
| 40010 | Buckner | Oldham County | $514,348 | +2.6% |
| 40026 | Goshen | Oldham County | $511,730 | +3.1% |
| 40022 | Finchville | Shelby County | $510,627 | +1.1% |
| 40245 | Louisville | Jefferson County | $485,589 | +1.5% |
| 40014 | Crestwood | Oldham County | $467,837 | +1.7% |
What these numbers mean for Kentucky buyers
The most expensive Kentucky ZIP code in this list has a typical home value 19.1 times the cheapest. The middle ZIP code is at $168,342. 450 of 597 ZIP codes are below the statewide typical value of $230,909.
Over the last six months, typical values rose in 224 of 597 ZIP codes and fell or held steady in 373.
Down payment at different price points
At the cheapest ZIP's typical value, a 3.5% down payment is $1,385 and 20% is $7,916. At the middle ZIP's value, the same down payments are $5,892 and $33,668. Add roughly 2% to 5% for closing costs.
Before you choose a ZIP code, compare Kentucky property and transfer taxes and check Kentucky first-time buyer programs, which can lower the cash you need.
Source: Zillow Home Value Index (ZHVI), mid-tier, by ZIP. ZIPs without their own Zillow series are excluded. 6-month change = last six monthly readings.
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