The typical owner-occupied home in Livingston County is worth about $125,600, 39% below the Kentucky median of $205,600 and 62% below the national median of $332,700. Owners pay a median $770 a year in property taxes, about 0.61% of their home's value, lower than the Kentucky rate of 0.75%. The median household earns $58,984 a year, so the median home costs 2.1 times the median income (3.2 times for Kentucky). 81% of occupied homes here are lived in by their owners, and 39% of those owners still have a mortgage.
Livingston County at a glance
| Livingston County | Kentucky | U.S. | |
|---|---|---|---|
| Median home value | $125,600 | $205,600 | $332,700 |
| Median property tax paid per year | $770 | $1,544 | $3,119 |
| Property tax as a share of value | 0.61% | 0.75% | 0.94% |
| Median household income | $58,984 | $63,726 | $80,734 |
| Homes lived in by their owners | 81% | 68% | 65% |
| Owner homes with a mortgage | 39% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $1,232 | $1,433 | $1,963 |
| Those costs as a share of the owners' income | 16.6% | 18.8% | 21.0% |
| Median rent | $926 | $967 | $1,413 |
| Rent as a share of renters' income | 29.7% | 28.1% | 30.6% |
| Median year homes were built | 1978 | 1982 | 1980 |
| Vacant homes | 22.3% | 10.3% | 10.1% |
| Population | 8,903 | 4,534,824 | 334,922,499 |
What a typical home costs per month in Livingston County
At this week's average 30-year rate of 7.11%, buying the median Livingston County home of $125,600 with 20% down costs about $792 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,001, 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 $33,948 for the 20%-down payment. That payment is 16% of the median Livingston County household income of $58,984; at that income and 20% down, the 28% guideline points to a home of about $218,000.
The median rent here is $926 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $25,120 |
|---|---|
| Loan amount | $100,480 |
| Principal and interest | $676 |
| Property taxes (0.61% a year) | $64 |
| Homeowners insurance (our estimate, 0.5% a year) | $52 |
| PMI | $0 |
| Total per month | $792 |
Change the numbers in the calculator
| Down payment | $4,396 |
|---|---|
| Loan amount | $123,325 |
| Principal and interest | $830 |
| Property taxes (0.61% a year) | $64 |
| Homeowners insurance (our estimate, 0.5% a year) | $52 |
| FHA mortgage insurance | $56 |
| Total per month | $1,001 |
Change the numbers in the calculator
Questions about home buying in Livingston County
What is the median home value in Livingston County?
About $125,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Livingston County?
Homeowners pay a median $770 a year, which is about 0.61% 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 Livingston County?
For the median home with 20% down at 7.11%, the payment is about $792 a month. Keeping that under 28% of gross income takes about $33,948 a year.
More about Livingston County
- Mortgage Refinance in Livingston County
- Debt Relief in Livingston County
- Home Equity Loans in Livingston 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