Median home value in zip code 42085 (Water Valley, KY) is $107,718, up 5.9% year over year. Part of the Mayfield, KY metropolitan area.

Home Value$107,718

YoY Change

+5.9%

Prices rising — worse for buyers.

Affordability

Enter your income for 42085 (Water Valley).

Income (annual)

Down Payment

$21,544 on $107,718

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

Affordable12.6% of income

Under the 28% guideline.

PITI$789

P/I12.6%

Afford$239K

Room+$131K

P&I $545Tax $77Ins $167

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

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

Metro Analysis

42085 is part of the Mayfield, KY metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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