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City · 11,622 residents · Taylor County, Kentucky

Campbellsville , Kentucky

In Campbellsville, a typical home is worth $164,600 and typical rent is $685 a month. Compared with all of Taylor County, typical household income is 18% lower, the typical home value is 6% lower, and the share of households that own their home is 20 points lower.

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  • Typical home value

    $164,600

    6% below the county

    20% below Kentucky

    • Campbellsville
    • Taylor
    • Kentucky

  • Typical rent

    $685a month

    5% below the county

    29% below Kentucky

    • Campbellsville
    • Taylor
    • Kentucky

  • Typical household income

    $49,644a year

    18% below the county

    22% below Kentucky

    • Campbellsville
    • Taylor
    • Kentucky

  • Households that own their home

    49%

    20 points below the county

    20 points below Kentucky

    • Campbellsville
    • Taylor
    • Kentucky

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$214,787
about the same as 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Campbellsville is in Taylor County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Taylor County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Campbellsville apart

What this place has that others do not, from public data, most unusual first.

  1. 49% of households in Campbellsville own their home, against 69% in Taylor County.

  2. Campbellsville has the 5th lowest typical rent of the 85 cities in Kentucky with more than 5,000 people ($685).

  3. The typical household income in Campbellsville is $49,644, 18% less than in Taylor County as a whole ($60,456).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Campbellsville

What homes there are in Campbellsville, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses are the majority in Campbellsville (69%), but less so than in Taylor County (75%).

Year built

In Campbellsville, half of the homes were built before 1974; in Taylor County, before 1978.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

About 79% of rented homes in Campbellsville cost less than HUD's 2-bedroom fair market rent for Taylor County ($909).

With a mortgage

$1,201 a month

Taylor County: $1,217 a month

Without a mortgage

$437 a month

Taylor County: $432 a month

Owners with a mortgage

53%

Taylor County: 53%

In Campbellsville, 53% of owners have a mortgage; their typical cost is $1,201 a month, about the same as in Taylor County.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Campbellsville rose 53% since 2015–2019, more than in Taylor County (45%).

Since 2015–2019, the typical rent in Campbellsville rose 11%.

Here income gained ground: typical income rose 60%, against +53% for home values and +11% for rent.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureCampbellsvilleTaylor CountyKentuckyUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.6%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimateUnreliable estimate2.0%3.4%
People per household 2.152.452.432.53
Drive alone 68%77%77%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 4%2%2%3%
Work from home 15%10%10%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Campbellsville are smaller: 2.15 people on average; in Taylor County, 2.45.

Working from home is more common in Campbellsville: 15%, against 10% in Taylor County.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Campbellsville?

A typical home is tight for the typical income

We start with a typical home in Campbellsville, worth $164,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Campbellsville, which is $49,644 a year. For that payment to be 28% of income, a household would need to earn about $57,450 a year.

The calculator's FHA and conventional loan limits are those of all of Taylor County.

Your numbers

Local data
$

Starts at the typical home value in Campbellsville. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $5,761 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,340

at 7.18% · 30 years

Loan amount
$161,619
Total interest
$232,531
Paid off in
November 2056

Includes $2,780 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,158 a month

  • Tight

    $1,158 to $1,489 a month

    Your payment · 32%

  • Hard

    more than $1,489 a month

Compared with the typical household income in Campbellsville ($49,644 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,340
Principal & interest$1,095
Property tax$104
Home insurance$69
FHA mortgage insurance (MIP)$73

You need at least $5,761 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Campbellsville and Taylor County

Campbellsville is in Taylor County, Kentucky. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Campbellsville's own numbers

Typical home value
$164,600
Typical monthly rent
$685
Typical yearly household income
$49,644
Households that own their home
49%
Effective property tax rate
0.76%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Taylor County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$909
Price change over 5 years (FHFA)
+62%
Homes in a high flood-risk zone
1.8%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Taylor County.

Everything about Taylor County

Buying

Buying a home in Campbellsville

A typical home in Campbellsville is worth $164,600: 6% below the county and 20% below Kentucky. With the typical household income in Campbellsville ($49,644 a year), a typical home costs 3.3 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Campbellsville 3.3 years
  • Taylor 2.9 years
  • Kentucky 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Taylor County

According to FHFA’s house price index, home prices in Taylor County rose 100% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Taylor County.

Period County Kentucky U.S.
Last year (2025) −0.5% +3.9% +2.9%
5 years (2020–2025) +62% +50% +47%
10 years (2015–2025) +100% +84% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Campbellsville next to Taylor County, Kentucky and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Campbellsville $164,600
  • Taylor $174,200
  • Kentucky $205,600
  • United States $332,700
Typical monthly rent
  • Campbellsville $685
  • Taylor $718
  • Kentucky $967
  • United States $1,413
Typical yearly household income
  • Campbellsville $49,644
  • Taylor $60,456
  • Kentucky $63,726
  • United States $80,734
See the full table
Campbellsville next to Taylor County and Kentucky
Measure Campbellsville Taylor County Kentucky U.S.
Typical home value $164,600 $174,200 $205,600 $332,700
Typical monthly rent $685 $718 $967 $1,413
Typical yearly household income $49,644 $60,456 $63,726 $80,734
Households that own their home 49% 69% 68% 65%
Typical yearly property tax $1,244 $1,202 $1,544 $3,119
Effective property tax rate 0.76% 0.69% 0.75% 0.94%
Renters with high rent for their income 41% 45% 45% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Taylor County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Campbellsville

For a typical $164,600 home in Campbellsville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Campbellsville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,340a month

    Least cash to close
    Down payment
    $5,761
    Cash to close
    $10,699
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $73

  • Conventional, 5% down $1,310a month

    Down payment
    $8,230
    Cash to close
    $13,168
    Rate
    7.18%
    Mortgage insurance
    PMI · $78

  • Conventional, 20% down, no PMI $1,065a month

    Down payment
    $32,920
    Cash to close
    $37,858
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,217a month

    Down payment
    $24,690
    Cash to close
    $29,628
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Campbellsville and for Taylor County.

Property tax

Effective rate in Campbellsville

0.76%of the home’s value each year

$1,244 a year for the typical owner in Campbellsville.

  • Campbellsville 0.76%
  • Taylor 0.69%
  • Kentucky 0.75%

What Kentucky publishes Homestead exemption for owners 65 or older or totally disabled (Kentucky Department of Revenue)

Exemptions and deadlines in Kentucky

Flood risk in Taylor County

FEMA does not publish these numbers by city: they are for all of Taylor County.

Homes in the high-risk zone
1.8%
205
Of those, with NFIP insurance
6.3%
County Kentucky U.S.
Homes in the high-risk zone 1.8% 3.5% 3.5%
Of those, with NFIP insurance 6.3% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Campbellsville

Typical rent in Campbellsville is $685 a month: 5% below the county. In Campbellsville, 41% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Taylor County, by unit size. To pay the 2-bedroom one ($909 a month) without spending more than 30% of your income, you would need to earn $17.48 an hour working full time.

HUD fair market rent for all of Taylor County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $650 $12.50 $26,000
1 bedroom $835 $16.06 $33,400
2 bedrooms $909 $17.48 $36,360
3 bedrooms $1,259 $24.21 $50,360
4 bedrooms $1,270 $24.42 $50,800

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Campbellsville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Campbellsville is in ZIP code 42718.

For 2 bedrooms it is $960: $51 more than the fair market rent for Taylor County ($909).

  • 42718 $960$1,330

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Campbellsville when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Campbellsville

HUD lists 15 buildings with rents for lower incomes in Campbellsville. These are the largest.

  • Elizabeth Williams Terrace 746 Buckner Ave, Campbellsville 42718 152 low-income homes · Run by Campbellsville Housing and Redevelopment Authority · Average payment: $364 a month · Average wait: 21 months · Homes at several sites (270) 465-3576
  • Elizabeth Williams Terrace 509 Walling Ave, Campbellsville 42718 148 low-income homes · Run by Campbellsville Housing and Redevelopment Authority · Average payment: $359 a month · Average wait: 38 months · Homes at several sites (270) 465-3576
  • Campbellsville Manor 110 Anna Ct, Campbellsville 42718 73 low-income homes · For families (270) 789-2480
  • Crescent Hill Manor 500 Crescent Hill Mnr, Campbellsville 42718 60 homes, 59 low-income · For families (270) 465-0404
  • Jackson Street Towers 1 Clem Haskins Blvd, Campbellsville 42718 53 homes, 52 low-income · For older adults (270) 789-1313

See all 15 buildings in Taylor County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Campbellsville

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Taylor County. The nearest ones are below; many serve by phone or online.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Campbellsville

No down payment, repair or rent-help program on our list is for Campbellsville or Taylor County. The ones below are statewide in Kentucky: they work in Campbellsville the same as in the rest of the state.

Which programs do I qualify for? All programs in Kentucky

  • KHC Down Payment Assistance (DPA)

    Statewide in Kentucky

    Kentucky state corporation loan of up to $12,500 for the down payment and closing costs, repaid over 15 years as a second loan, for buyers who take a KHC mortgage. Offered by Kentucky Housing Corporation (KHC).

    Repayable

    See the program Official page

Housing counselors near Campbellsville

The HUD-approved agencies closest to the center of Campbellsville, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Apprisen - CCCS of the Midwest - Louisville

    10200 Linn Station Rd, Louisville · 62 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (800) 355-2227

  • Live the Dream Development, Inc

    247 Double Springs Rd, Bowling Green · 64 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (270) 843-6071

  • Housing Assistance and Development Services, Inc.

    2530 Scottsville Rd Ste 106A, Bowling Green · 65 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (270) 796-4176

All counseling agencies in Kentucky

Help in Spanish near Campbellsville

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Campbellsville

HUD’s record names them for Campbellsville or Taylor County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Campbellsville Housing and Redevelopment Authority Public housing and Section 8 vouchers (270) 465-3576

All housing agencies in Kentucky Source: HUD

Cities

Nearby cities

The cities closest to Campbellsville, with the typical home value.

Everything about Taylor County Housing in Kentucky

Neighboring counties

If Taylor County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Campbellsville.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Campbellsville

Short answers with the numbers for Campbellsville and all of Taylor County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Campbellsville?

The typical home value in Campbellsville is $164,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Taylor County it is $174,200.

How much does it cost to rent in Campbellsville?

Typical rent in Campbellsville is $685 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Taylor County is $909.

What is the FHA loan limit in Campbellsville?

Campbellsville uses the FHA limit for all of Taylor County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Campbellsville?

The typical homeowner in Campbellsville pays $1,244 a year, according to the U.S. Census Bureau. That is 0.76% of the home’s value; in Taylor County, the rate is 0.69%.

Where can I find free help to buy or rent in Campbellsville?

We found no HUD-approved counseling agencies with an office in Taylor County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).