KENTUCKY
Welcome to Kentucky
Kentucky is loaded when it comes to natural beauty and culture. But what makes Kentucky an attractive place for homebuyers is the low cost of living there. That’s right, your dollar can go further when you are in Kentucky! Interested? Keep reading and learn more about the Bluegrass State.
Top CHIPs for Kentucky
The Best Community Home Investment Programs for you.
As mentioned, the cost of living in Kentucky is its main draw. With the availability of Community Home Investment Programs (CHIPs), owning a home is cheaper too.
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Housing Opportunities of Northern Kentucky (HONK) Lease to Own Program
With the Housing Opportunities of Northern Kentucky (HONK) Lease to Own Program, you can take advantage of affordable monthly payments and get expert financial counseling to guide you.
City of Dayton Kentucky Home Buyers Assistance Program
With the City of Dayton Kentucky Home Buyers Assistance Program, you can get up to $7,500 to cover your down payment and settlement costs! If you stay at home for five years, the loan is completely forgiven. It’s a simple and affordable way to become a homeowner!
City of Owensboro Down Payment Assistance Grant Program
The City of Owensboro Down Payment Assistance Grant Program offers up to 10% of your home’s market value to help cover your down payment and closing costs.
Lexington-Fayette Urban County Government First-Time Homebuyer Program
Start your homeownership journey with the Lexington-Fayette Urban County Government First-Time Homebuyer Program! Receive funding for your down payment and closing costs, with options you may not need to pay back.
Hardin County Habitat for Humanity Homeownership Program
Ready to lay the foundation for a brighter future? The Hardin County Habitat for Humanity Homeownership Program offers 0% interest rates and a 25-year repayment plan to make homeownership within reach.
Housing Opportunities of Northern Kentucky (HONK) Lease to Own Program
With the Housing Opportunities of Northern Kentucky (HONK) Lease to Own Program, you can take advantage of affordable monthly payments and get expert financial counseling to guide you.
City of Dayton Kentucky Home Buyers Assistance Program
With the City of Dayton Kentucky Home Buyers Assistance Program, you can get up to $7,500 to cover your down payment and settlement costs! If you stay at home for five years, the loan is completely forgiven. It’s a simple and affordable way to become a homeowner!
City of Owensboro Down Payment Assistance Grant Program
The City of Owensboro Down Payment Assistance Grant Program offers up to 10% of your home’s market value to help cover your down payment and closing costs.
Lexington-Fayette Urban County Government First-Time Homebuyer Program
Start your homeownership journey with the Lexington-Fayette Urban County Government First-Time Homebuyer Program! Receive funding for your down payment and closing costs, with options you may not need to pay back.
Hardin County Habitat for Humanity Homeownership Program
Ready to lay the foundation for a brighter future? The Hardin County Habitat for Humanity Homeownership Program offers 0% interest rates and a 25-year repayment plan to make homeownership within reach.
👥
Total Population
4,505,836
🗺️
Land area in square miles
39,485.4 square miles
📊
Rank of State by size
36
📍
State Capital
Frankfort
💰
Median household income
$61,118
💵
Median home sale price
$371,309
🏘️
Total Housing Units
1,853,603
👥
Total Population
4,505,836
🗺️
Land area in square miles
39,485.4 square miles
📊
Rank of State by size
36
📍
State Capital
Frankfort
💰
Median household income
$61,118
💵
Median home sale price
$371,309
🏘️
Total Housing Units
1,853,603
Census Data Snapshot for Kentucky
Crucial statistics and data about the state of Kentucky.
Statistics about a state can tell you a story that other means cannot show. Go on and discover what Kentucky’s numbers can convey to you.
Climate Overview
What’s the weather like in Kentucky?
A great part of the state has a humid subtropical climate, with the exception being the highland areas. Here’s a brief snapshot of the state’s climate.
Major Industries and Employment
What’s driving the economy of Kentucky?
Kentucky has managed to diversify its economy. It attracted different industries which allowed it to go beyond its agricultural roots. What’s pushing the economy of Kentucky? Read on!
Largest Employer in State
- Employer: Walmart
- Industry: Retail
- Employer Headcount: 30,181
Total Employer Establishments
🏢 92,130
As of June 2025
Employment Type
Employee of private company workers
Self-employed in own incorporated business workers
Private not-for-profit wage and salary workers
Local, state, and federal government workers
Self-employed in own not incorporated business workers and unpaid family workers
Occupation
Management, business, science and arts occupations
Sales and office occupations
Service occupations
Production, transportation, and material moving occupations
Natural resources, construction, and maintenance occupations
As of June 2025
Home Affordability
Learn if you can afford a home in Kentucky.
How much money do you need to buy a house in Kentucky?
Cities By Population
What are the biggest cities in Kentucky in terms of population?
Louisville is by far the biggest urban center in the state of Kentucky, but that doesn’t mean there are no other interesting places.
City
Rank
Population as of 2025
Louisville
1
617,027
Lexington
2
318,505
Bowling Green
3
78,706
Owensboro
4
60,052
Covington
5
40,996
Georgetown
6
40,579
Richmond
7
38,854
Elizabethtown
8
34,024
Florence
9
33,488
Nicholasville
10
33,283
School Rankings and
District Information
What are the best schools in Kentucky?
If you’re going to consider buying a house in Kentucky, one of the main things to think about is the availability of great schools. Here’s a list of the best schools in the state.
Homes for Sale
Let’s find your dream home in Kentucky
Get to know the housing market in Kentucky. Find out what the state has to offer you right now if you decide to go house-hunting.
State Fun Facts
Learn some fun trivia about Kentucky.
Time to learn some fun facts about Kentucky.
Famous People from Kentucky
Who are the well-known personalities from Kentucky?
Here are some of the most famous people who hail from the Bluegrass State.
Agency
Website
Kentucky Housing Corporation (KHC)
Kentucky Department of Veterans Affairs (KDVA)
Kentucky Department of Insurance
Kentucky Department for Local Government (DLG)
Department for Aging and Independent Living (DAIL)
Government Resources
Find more information about housing and real estate in Kentucky.
Here is a list of some useful resources that you can use when researching about homes, schools, and other details about Kentucky.
Agency
Website
Kentucky Housing Corporation (KHC)
Kentucky Department of Veterans Affairs (KDVA)
Kentucky Department of Insurance
Kentucky Department for Local Government (DLG)
Department for Aging and Independent Living (DAIL)
