The median home in Richmond, Kentucky is valued at $289,136, up 2.9% year over year. Typical monthly rent is $992, producing a price-to-rent ratio of 24.3x — well above the national average of 18x. Richmond is part of the Richmond-Berea, KY metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$289,136

+2.9%

Rent$992/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Richmond.

Income (annual)

Down Payment

$57,827 on $289,136

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

Stretch29.4% of income

Above 28% but manageable with cuts.

PITI$1,836

P/I29.4%

Afford$276K

Gap-$14K

P&I $1,462Tax $207Ins $167

Renting $844/mo cheaper ($992 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 Richmond with other housing markets across Kentucky.

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

Full Richmond-Berea, KY analysis

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

View Richmond-Berea, KY metro

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Richmond, KY