The typical owner-occupied home in Catlettsburg is worth about $82,500, 60% below the Kentucky median of $205,600 and 75% below the national median of $332,700. Owners pay a median $823 a year in property taxes, about 1.00% of their home's value, higher than the Kentucky rate of 0.75%. The median household earns $38,276 a year, so the median home costs 2.2 times the median income (3.2 times for Kentucky). 56% of occupied homes here are lived in by their owners, and 32% of those owners still have a mortgage.
Catlettsburg at a glance
| Catlettsburg | Kentucky | U.S. | |
|---|---|---|---|
| Median home value | $82,500 | $205,600 | $332,700 |
| Median property tax paid per year | $823 | $1,544 | $3,119 |
| Property tax as a share of value | 1.00% | 0.75% | 0.94% |
| Median household income | $38,276 | $63,726 | $80,734 |
| Homes lived in by their owners | 56% | 68% | 65% |
| Owner homes with a mortgage | 32% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $947 | $1,433 | $1,963 |
| Those costs as a share of the owners' income | 20.5% | 18.8% | 21.0% |
| Median rent | $630 | $967 | $1,413 |
| Rent as a share of renters' income | 27.4% | 28.1% | 30.6% |
| Median year homes were built | 1954 | 1982 | 1980 |
| Vacant homes | 22.0% | 10.3% | 10.1% |
| Population | 1,557 | 4,534,824 | 334,922,499 |
What a typical home costs per month in Catlettsburg
At this week's average 30-year rate of 7.11%, buying the median Catlettsburg home of $82,500 with 20% down costs about $547 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $685, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $23,448 for the 20%-down payment. That payment is 17% of the median Catlettsburg household income of $38,276; at that income and 20% down, the 28% guideline points to a home of about $135,000.
The median rent here is $630 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $16,500 |
|---|---|
| Loan amount | $66,000 |
| Principal and interest | $444 |
| Property taxes (1.00% a year) | $69 |
| Homeowners insurance (our estimate, 0.5% a year) | $34 |
| PMI | $0 |
| Total per month | $547 |
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| Down payment | $2,888 |
|---|---|
| Loan amount | $81,006 |
| Principal and interest | $545 |
| Property taxes (1.00% a year) | $69 |
| Homeowners insurance (our estimate, 0.5% a year) | $34 |
| FHA mortgage insurance | $36 |
| Total per month | $685 |
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Questions about home buying in Catlettsburg
What is the median home value in Catlettsburg?
About $82,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Catlettsburg?
Homeowners pay a median $823 a year, which is about 1.00% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Catlettsburg?
For the median home with 20% down at 7.11%, the payment is about $547 a month. Keeping that under 28% of gross income takes about $23,448 a year.
More about Catlettsburg
- Mortgage Refinance in Catlettsburg
- Debt Relief in Catlettsburg
- Home Equity Loans in Catlettsburg
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data