The typical owner-occupied home in Brooks is worth about $227,600, 11% above the Kentucky median of $205,600 and 32% below the national median of $332,700. Owners pay a median $1,580 a year in property taxes, about 0.69% of their home's value, lower than the Kentucky rate of 0.75%. The median household earns $66,056 a year, so the median home costs 3.4 times the median income (3.2 times for Kentucky). 94% of occupied homes here are lived in by their owners, and 41% of those owners still have a mortgage.
Brooks at a glance
| Brooks | Kentucky | U.S. | |
|---|---|---|---|
| Median home value | $227,600 | $205,600 | $332,700 |
| Median property tax paid per year | $1,580 | $1,544 | $3,119 |
| Property tax as a share of value | 0.69% | 0.75% | 0.94% |
| Median household income | $66,056 | $63,726 | $80,734 |
| Homes lived in by their owners | 94% | 68% | 65% |
| Owner homes with a mortgage | 41% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $1,159 | $1,433 | $1,963 |
| Those costs as a share of the owners' income | 16.5% | 18.8% | 21.0% |
| Median rent | – | $967 | $1,413 |
| Rent as a share of renters' income | 22.1% | 28.1% | 30.6% |
| Median year homes were built | 1991 | 1982 | 1980 |
| Vacant homes | 8.6% | 10.3% | 10.1% |
| Population | 2,069 | 4,534,824 | 334,922,499 |
What a typical home costs per month in Brooks
At this week's average 30-year rate of 7.11%, buying the median Brooks home of $227,600 with 20% down costs about $1,451 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,830, 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 $62,167 for the 20%-down payment. That payment is 26% of the median Brooks household income of $66,056; at that income and 20% down, the 28% guideline points to a home of about $242,000.
| Down payment | $45,520 |
|---|---|
| Loan amount | $182,080 |
| Principal and interest | $1,225 |
| Property taxes (0.69% a year) | $131 |
| Homeowners insurance (our estimate, 0.5% a year) | $95 |
| PMI | $0 |
| Total per month | $1,451 |
Change the numbers in the calculator
| Down payment | $7,966 |
|---|---|
| Loan amount | $223,478 |
| Principal and interest | $1,503 |
| Property taxes (0.69% a year) | $131 |
| Homeowners insurance (our estimate, 0.5% a year) | $95 |
| FHA mortgage insurance | $101 |
| Total per month | $1,830 |
Change the numbers in the calculator
Questions about home buying in Brooks
What is the median home value in Brooks?
About $227,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Brooks?
Homeowners pay a median $1,580 a year, which is about 0.69% 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 Brooks?
For the median home with 20% down at 7.11%, the payment is about $1,451 a month. Keeping that under 28% of gross income takes about $62,167 a year.
More about Brooks
- Mortgage Refinance in Brooks
- Debt Relief in Brooks
- Home Equity Loans in Brooks
- 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