Income needed to buy a home
Harlan County, KY
$24,417
a year in household income to buy the typical Harlan County home with 10% down.
The monthly math
Typical home value$73,753
Down payment (10%)$7,375
Loan$66,378
Principal and interest (7.40%)$460/mo
Property tax (0.74% a year)$46/mo
Homeowners insurance (estimate)$37/mo
Mortgage insurance$28/mo
Total monthly cost$570/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Comfortable
The typical household here earns $41,693 a year, 71% more than it takes.
In Kentucky
Harlan County ranks #4 of 120 for the income a home takes, from least to most.
Easiest to afford in Kentucky
| County | Typical home | Income needed |
|---|---|---|
| Knott County | $60,095 | $19,389 |
| Letcher County | $64,327 | $21,138 |
| Breathitt County | $69,724 | $22,874 |
| Leslie County | $74,324 | $24,417 |
| Floyd County | $85,015 | $27,927 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.