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Kentucky Housing Affordability Index | MBR-HAI

Kentucky Housing Affordability Index

Daily affordability score for Kentucky compared to the national average — updated every night using live mortgage rates and U.S. Census Bureau income and home value data.

Live Score
Kentucky
119.6
More Affordable Than Avg
MBR-HAI • April 10, 2026
National Average
100.6
Near National Average
MBR-HAI • April 10, 2026
National Rank #9 of 51 states
vs. National Average +19 points
30-yr Rate Used 6.778%
Median Home Value $205,600
Median Household Income $63,726

Kentucky Affordability Ranking

#9 of 51 states — April 10, 2026 Top 20% most affordable
Most Affordable Least Affordable
More affordable than: 42 of 51 states (82%)
Less affordable than: 8 of 51 states (16%)
MBR-HAI Score: 119.6 vs. national 100.6 (+19 points)
Nearby States
↑ 6 more affordable states above
#7 IN 124.4
#8 KS 123.0
#9 Kentucky ◀ 119.6
#10 OK 119.5
#11 ND 118.3
↓ 40 less affordable states below
Top 5 Most Affordable
#1 WV 139.9
#2 AR 131.2
#3 AL 129.8
#4 IA 129.6
#5 MS 126.3
Bottom 5 Least Affordable
#47 RI 90.6
#48 NY 89.3
#49 OR 89.2
#50 MA 87.2
#51 CA 81.5

View full 51-state rankings →

Kentucky MBR-HAI — 90-Day Trend

Kentucky
National Average

Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.

Key Affordability Factors — Kentucky

$205,600
Median Home Value
U.S. median: varies by state
$63,726
Median Household Income
U.S. median: $80,734
3.2x
Price-to-Income Ratio
Home value ÷ income
$941/mo
Median Owner Costs
17.7% of income annually
$1,538/yr
Median Property Tax
0.75% effective rate
69.8%
Homeownership Rate
U.S. average: 65.7%
22.5%
Owner Cost Burden
% spending 30%+ of income on housing
6.778%
30-yr Mortgage Rate
State average • April 10, 2026

Source: U.S. Census Bureau ACS 5-Year Estimates (2024), CPS/HVS Q4 2025. Mortgage rate from MBR live rate database.

How Kentucky Ranks Among All States

#9
of 51 states
Least Affordable Most Affordable
Kentucky is more affordable than 84% of U.S. states — More Affordable Than Avg
119.6
MBR-HAI Score
Rank State MBR-HAI Score Affordability
▲ See top 5 states →
6 Louisiana 125.3 Highly Affordable
7 Indiana 124.4 Highly Affordable
8 Kansas 123.0 Highly Affordable
9 Kentucky You are here 119.6 More Affordable Than Avg
10 Oklahoma 119.5 More Affordable Than Avg
11 North Dakota 118.3 More Affordable Than Avg
12 Missouri 117.6 More Affordable Than Avg
▼ See all 51 state rankings →

Showing states ranked near Kentucky — April 10, 2026 • View complete national rankings →

Download Kentucky HAI Data

Kentucky History (CSV)
Daily score vs. national • all dates
date,state,hai_score,national_score,rate_used
2026-04-10,KY,119.6,100.6,6.778
Download KY History (CSV)
All 51 States (CSV)
Compare Kentucky to every state

Daily scores for all 51 states — filter by state or date in Excel or Google Sheets.

All States (CSV)

Explore Further

National MBR-HAI Rankings
See how Kentucky ranks among all 51 states and the national average.
HAI Methodology
How the 10-component formula is computed, data sources, and score interpretation.
Kentucky Mortgage Rates
Live 30-year and 15-year rates from banks and credit unions in Kentucky.