The typical owner-occupied home in Sandy Hook is worth about $132,100, 36% below the Kentucky median of $205,600 and 60% below the national median of $332,700. 42% of occupied homes here are lived in by their owners, and 56% of those owners still have a mortgage.
Sandy Hook at a glance
| Sandy Hook | Kentucky | U.S. | |
|---|---|---|---|
| Median home value | $132,100 | $205,600 | $332,700 |
| Median property tax paid per year | – | $1,544 | $3,119 |
| Median household income | – | $63,726 | $80,734 |
| Homes lived in by their owners | 42% | 68% | 65% |
| Owner homes with a mortgage | 56% | 56% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,433 | $1,963 |
| Those costs as a share of the owners' income | 27.5% | 18.8% | 21.0% |
| Median rent | $342 | $967 | $1,413 |
| Rent as a share of renters' income | 31.6% | 28.1% | 30.6% |
| Median year homes were built | 1984 | 1982 | 1980 |
| Vacant homes | 24.9% | 10.3% | 10.1% |
| Population | 456 | 4,534,824 | 334,922,499 |
What a typical home costs per month in Sandy Hook
At this week's average 30-year rate of 7.11%, buying the median Sandy Hook home of $132,100 with 20% down costs about $887 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,107, 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 $38,016 for the 20%-down payment.
The median rent here is $342 a month, so owning the median home costs about $545 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $26,420 |
|---|---|
| Loan amount | $105,680 |
| Principal and interest | $711 |
| Property taxes (1.10% a year) | $121 |
| Homeowners insurance (our estimate, 0.5% a year) | $55 |
| PMI | $0 |
| Total per month | $887 |
Change the numbers in the calculator
| Down payment | $4,624 |
|---|---|
| Loan amount | $129,707 |
| Principal and interest | $873 |
| Property taxes (1.10% a year) | $121 |
| Homeowners insurance (our estimate, 0.5% a year) | $55 |
| FHA mortgage insurance | $58 |
| Total per month | $1,107 |
Change the numbers in the calculator
Questions about home buying in Sandy Hook
What is the median home value in Sandy Hook?
About $132,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Sandy Hook?
For the median home with 20% down at 7.11%, the payment is about $887 a month. Keeping that under 28% of gross income takes about $38,016 a year.
More about Sandy Hook
- Mortgage Refinance in Sandy Hook
- Debt Relief in Sandy Hook
- Home Equity Loans in Sandy Hook
- 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