The median home in Owensboro, Kentucky is valued at $202,667, up 3.2% year over year. Typical monthly rent is $1,316, producing a price-to-rent ratio of 12.8x — below the national average of 18x. Owensboro is part of the Owensboro, KY metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$202,667

+3.2%

Rent$1,316/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Owensboro.

Income (annual)

Down Payment

$40,533 on $202,667

Example: $75,000 household income. Change it above to see your own.

Affordable21.4% of income

Under the 28% guideline.

PITI$1,337

P/I21.4%

Afford$265K

Room+$63K

P&I $1,025Tax $145Ins $167

Renting $21/mo cheaper ($1,316 rent)6.50% 30yr, 20% down, county tax + KY ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Kentucky

Compare Owensboro with other housing markets across Kentucky.

Prospect$595K Finchville$481K Goshen$474K Crestwood$467K River Bluff$446K Wilsonville$445K Union$444K Buckner$429K

Full Owensboro, KY analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Owensboro, KY metro.

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