MonitorBankRates
☰
New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Gilbertsville, KY Housing Affordability Index

Gilbertsville, Kentucky has an MBR Housing Affordability Index score of 68.4 (Significantly Less Affordable) as of October 30, 2026, ranking 431st most affordable of 431 scored Kentucky cities, compared with 120.8 statewide and 97.4 nationally. On a median-priced $101,800 home with 20% down, the Kentucky average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $557, or 54% of the city’s $12,391 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Gilbertsville is updated every night from live Kentucky mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Gilbertsville MBR-HAI 68.4 Significantly Less Affordable
Rank in Kentucky 431 of 431 1 = most affordable
Kentucky 120.8 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.27% Kentucky lenders
Median home value $101,800 U.S. Census Bureau

Gilbertsville is 52.4 points below the Kentucky score. Scores as of October 30, 2026. See the Kentucky index

View Gilbertsville Mortgage Rates

What It Takes to Buy in Gilbertsville

$557/mo
Principal & Interest
Median home, 20% down, 7.27%
$23,900
Income Needed
To keep the payment at 28% of income
$12,391
Median Household Income
Kentucky: $63,726
8.2x
Price-to-Income Ratio
Kentucky: 3.2x
$807/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,538/yr
Median Property Tax
Kentucky figure
100.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
87.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Gilbertsville, Kentucky. The rate is the Kentucky average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

How Gilbertsville Ranks in Kentucky

Cities with similar scores
#428Westport82.3 #429Barbourville76.6 #430Pikeville73.8
#431Gilbertsville68.4
Powered byMonitorBankRates

Cite the Gilbertsville Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Gilbertsville, Kentucky score: 68.4 (Significantly Less Affordable), ranked 431 of 431 Kentucky cities. monitorbankrates.com/housing-affordability-index/kentucky/gilbertsville”