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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

South Shore, KY Housing Affordability Index

South Shore, Kentucky has an MBR Housing Affordability Index score of 127.3 (Highly Affordable) as of October 30, 2026, ranking 237th most affordable of 431 scored Kentucky cities, compared with 120.8 statewide and 97.4 nationally. On a median-priced $89,200 home with 20% down, the Kentucky average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $488, or 20% of the city’s $29,340 median household income.

The MBR Housing Affordability Index (MBR-HAI) for South Shore 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.

South Shore MBR-HAI 127.3 Highly Affordable
Rank in Kentucky 237 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 $89,200 U.S. Census Bureau

South Shore is 6.5 points above the Kentucky score. Scores as of October 30, 2026. See the Kentucky index

View South Shore Mortgage Rates

What It Takes to Buy in South Shore

$488/mo
Principal & Interest
Median home, 20% down, 7.27%
$20,900
Income Needed
To keep the payment at 28% of income
$29,340
Median Household Income
Kentucky: $63,726
3.0x
Price-to-Income Ratio
Kentucky: 3.2x
$683/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$993/yr
Median Property Tax
1.11% of median value
24.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
48.2%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the South Shore Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. South Shore, Kentucky score: 127.3 (Highly Affordable), ranked 237 of 431 Kentucky cities. monitorbankrates.com/housing-affordability-index/kentucky/south-shore”