The median home in Prospect, Kentucky is valued at $595,138, up 4.2% year over year. Typical monthly rent is $2,748, producing a price-to-rent ratio of 18x — near the national average of 18x. Prospect is part of the Louisville/Jefferson County, KY-IN metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$595,138

+4.2%

Rent$2,748/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Prospect.

Income (annual)

Down Payment

$119,028 on $595,138

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

Out of reach57.6% of income

Need $154,414/yr to afford.

PITI$3,603

P/I57.6%

Afford$289K

Gap-$306K

P&I $3,009Tax $427Ins $167

Renting $855/mo cheaper ($2,748 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 Prospect with other housing markets across Kentucky.

Finchville$481K Goshen$474K Crestwood$467K River Bluff$446K Wilsonville$445K Union$444K Buckner$429K Alvaton$414K

Full Louisville/Jefferson County, KY-IN analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Louisville/Jefferson County, KY-IN metro.

View Louisville/Jefferson County, KY-IN metro

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Prospect, KY