The typical owner-occupied home in Carlisle County is worth about $120,400, 41% below the Kentucky median of $205,600 and 64% below the national median of $332,700. Owners pay a median $945 a year in property taxes, about 0.78% of their home's value, close to the Kentucky rate of 0.75%. The median household earns $62,439 a year, so the median home costs 1.9 times the median income (3.2 times for Kentucky). 80% of occupied homes here are lived in by their owners, and 45% of those owners still have a mortgage.
Carlisle County at a glance
| Carlisle County | Kentucky | U.S. | |
|---|---|---|---|
| Median home value | $120,400 | $205,600 | $332,700 |
| Median property tax paid per year | $945 | $1,544 | $3,119 |
| Property tax as a share of value | 0.78% | 0.75% | 0.94% |
| Median household income | $62,439 | $63,726 | $80,734 |
| Homes lived in by their owners | 80% | 68% | 65% |
| Owner homes with a mortgage | 45% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $1,276 | $1,433 | $1,963 |
| Those costs as a share of the owners' income | 17.4% | 18.8% | 21.0% |
| Median rent | $792 | $967 | $1,413 |
| Rent as a share of renters' income | 23.1% | 28.1% | 30.6% |
| Median year homes were built | 1979 | 1982 | 1980 |
| Vacant homes | 19.2% | 10.3% | 10.1% |
| Population | 4,762 | 4,534,824 | 334,922,499 |
What a typical home costs per month in Carlisle County
At this week's average 30-year rate of 7.11%, buying the median Carlisle County home of $120,400 with 20% down costs about $776 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $977, 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 $33,273 for the 20%-down payment. That payment is 15% of the median Carlisle County household income of $62,439; at that income and 20% down, the 28% guideline points to a home of about $226,000.
The median rent here is $792 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $24,080 |
|---|---|
| Loan amount | $96,320 |
| Principal and interest | $648 |
| Property taxes (0.78% a year) | $78 |
| Homeowners insurance (our estimate, 0.5% a year) | $50 |
| PMI | $0 |
| Total per month | $776 |
Change the numbers in the calculator
| Down payment | $4,214 |
|---|---|
| Loan amount | $118,219 |
| Principal and interest | $795 |
| Property taxes (0.78% a year) | $78 |
| Homeowners insurance (our estimate, 0.5% a year) | $50 |
| FHA mortgage insurance | $53 |
| Total per month | $977 |
Change the numbers in the calculator
Questions about home buying in Carlisle County
What is the median home value in Carlisle County?
About $120,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Carlisle County?
Homeowners pay a median $945 a year, which is about 0.78% 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 Carlisle County?
For the median home with 20% down at 7.11%, the payment is about $776 a month. Keeping that under 28% of gross income takes about $33,273 a year.
More about Carlisle County
- Mortgage Refinance in Carlisle County
- Debt Relief in Carlisle County
- Home Equity Loans in Carlisle County
- 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