Median home value in zip code 40360 (Owingsville, KY) is $175,521, up 1.5% year over year. Part of the Mount Sterling, KY metropolitan area.

Home Value$175,521

YoY Change

+1.5%

Prices rising — worse for buyers.

Affordability

Enter your income for 40360 (Owingsville).

Income (annual)

Down Payment

$35,104 on $175,521

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

Affordable18.9% of income

Under the 28% guideline.

PITI$1,180

P/I18.9%

Afford$260K

Room+$85K

P&I $888Tax $126Ins $167

6.50% 30yr, 20% down, county tax + KY ins. 28% per HUD.

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

Metro Analysis

40360 is part of the Mount Sterling, KY metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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