In Corbin, a typical home is worth $166,000 and typical rent is $733 a month. Compared with all of Whitley County, the typical home value is 26% higher, typical household income is 14% higher, and the share of households that own their home is 13 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $141,515 to $170,298.
Typical rent
$1,098a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Corbin is in Whitley 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 Whitley County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Middlesborough, the typical home value is $99,900: 40% less than in Corbin ($166,000).
2
The typical home in Corbin is worth $166,000,26% more than in Whitley County as a whole ($131,800).
3
53% of households in Corbin own their home, against 67% in Whitley County.
4
Nearby, in Middlesborough, the typical rent is $598: 18% less than in Corbin ($733).
5
According to Zillow, in the 12 months to September 2026 the typical home value in Corbin fell 3.4%; in Kentucky, it barely changed.
6
Corbin has the 9th lowest typical rent of the 85 cities in Kentucky with more than 5,000 people ($733).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Corbin
What homes there are in Corbin, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Corbin
Whitley County
Kentucky
United States
Kind of home: Corbin and its comparisons
Measure
Corbin
Whitley County
Kentucky
United States
Detached house
66%
64%
68%
61%
Attached house
Unreliable estimate
Unreliable estimate
3%
6%
Building of 2 to 4
11%
7%
7%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
12%
19%
Mobile home
Unreliable estimate
24%
11%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Corbin, 7 in 10 homes are single-family detached houses, about the same as in Whitley County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Corbin
Whitley County
Kentucky
United States
Year built: Corbin and its comparisons
Measure
Corbin
Whitley County
Kentucky
United States
Before 1960
21%
13%
22%
26%
1960–1979
43%
27%
26%
24%
1980–1999
19%
35%
28%
25%
2000–2009
11%
16%
15%
14%
2010 or later
6%
10%
11%
11%
In Corbin, half of the homes were built before 1975; in Whitley County, before 1987.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K27%
$100K–$200K33%
$200K–$300K29%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Corbin and its comparisons
Measure
Corbin
Under $100K
27%
$100K–$200K
33%
$200K–$300K
29%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50030%
$500–$99949%
HUD fair market rent, 2 bedrooms: $909
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Corbin and its comparisons
Measure
Corbin
Under $500
30%
$500–$999
49%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
HUD's 2-bedroom fair market rent (FMR) for Whitley County is $909; about 70% of rents in Corbin are below it.
With a mortgage
$1,380 a month
Whitley County: $1,156 a month
Without a mortgage
$448 a month
Whitley County: $346 a month
Owners with a mortgage
57%
Whitley County: 45%
The typical cost for an owner with a mortgage in Corbin is $1,380 a month, more than in Whitley County ($1,156); without one, $448.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Corbin+60%
Whitley County+43%
Kentucky+46%
United States+53%
Typical rent
CorbinNo clear change
Whitley County+32%
Kentucky+27%
United States+33%
Typical household income
CorbinNo clear change
Whitley CountyNo clear change
Kentucky+26%
United States+29%
Change since 2015–2019: Corbin and its comparisons
Measure
Corbin
Whitley County
Kentucky
United States
Typical home value
+60%
+43%
+46%
+53%
Typical rent
No clear change
+32%
+27%
+33%
Typical household income
No clear change
No clear change
+26%
+29%
Since 2015–2019, homes in Corbin gained value faster than in Whitley County: 60% against 43%.
The typical rent in Corbin stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Corbin and its comparisons
Measure
Corbin
Whitley County
Kentucky
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
4.6%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
3.3%
2.0%
3.4%
People per household
2.52
2.60
2.43
2.53
Drive alone
81%
73%
77%
69%
Carpool
Unreliable estimate
14%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
3%
2%
3%
Work from home
7%
10%
10%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
By size, households in Corbin look like those in Whitley County: 2.52 people on average.
To get to work, 81% of workers in Corbin drive alone; in Whitley County, 73%.
Do the math
What would you pay each month for a home in Corbin?
A typical home is tight for the typical income
We start with a typical home in Corbin, worth $166,000, 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 Corbin, which is $51,065 a year. For that payment to be 28% of income, a household would need to earn about $58,057 a year.
The calculator's FHA and conventional loan limits are those of all of Whitley County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Corbin. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $5,810 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,355
at 7.18% · 30 years
Loan amount
$162,993
Total interest
$234,509
Paid off in
November 2056
Includes $2,803 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,192 a month
Tight
$1,192 to $1,532 a month
Your payment · 32%
Hard
more than $1,532 a month
Compared with the typical household income in Corbin ($51,065 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,104
Property tax
$108
Home insurance
$69
FHA mortgage insurance (MIP)
$73
You need at least $5,810 for the down payment, plus closing costs.
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.
Total monthly payment $1,355; principal and interest $1,104.
The city and its county
Corbin and Whitley County
Corbin is in Whitley 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).
Corbin
Map of Whitley County, Kentucky, with Corbin marked. Around it, the neighboring counties.
Corbin
Whitley County
Other cities with a page
Corbin's own numbers
Typical home value
$166,000
Typical monthly rent
$733
Typical yearly household income
$51,065
Households that own their home
53%
Effective property tax rate
0.78%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Whitley 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)
+50%
Homes in a high flood-risk zone
3.5%
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 Whitley County.
A typical home in Corbin is worth $166,000: 26% above the county and 19% below Kentucky. With the typical household income in Corbin ($51,065 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.
Corbin3.3 years
Whitley3.0 years
Kentucky3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Whitley County
According to FHFA’s house price index, home prices in Whitley County rose 75% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Whitley County.
Yearly change in FHFA’s price index in Whitley County, 2016 to 2025
2016: +0.3% +0.3% 2016
2017: +3.3% +3.3% 2017
2018: +6.0% +6.0% 2018
2019: +0.9% +0.9% 2019
2020: +5.6% +5.6% 2020
2021: +5.8% +5.8% 2021
2022: +20.7% +20.7% 2022
2023: +11.0% +11.0% 2023
2024: +2.4% +2.4% 2024
2025: +3.1% +3.1% 2025
Change in FHFA’s price index in Whitley County, Kentucky and the United States
Period
County
Kentucky
U.S.
Last year (2025)
+3.1%
+3.9%
+2.9%
5 years (2020–2025)
+50%
+50%
+47%
10 years (2015–2025)
+75%
+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
Corbin next to Whitley 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
Corbin$166,000
Whitley$131,800
Kentucky$205,600
United States$332,700
Typical monthly rent
Corbin$733
Whitley$798
Kentucky$967
United States$1,413
Typical yearly household income
Corbin$51,065
Whitley$44,615
Kentucky$63,726
United States$80,734
See the full table
Corbin next to Whitley County and Kentucky
Measure
Corbin
Whitley County
Kentucky
U.S.
Typical home value
$166,000 ▲26% above the county
$131,800
$205,600
$332,700
Typical monthly rent
$733 ▼8% below the county
$798
$967
$1,413
Typical yearly household income
$51,065 ▲14% above the county
$44,615
$63,726
$80,734
Households that own their home
53% ▼13 points below the county
67%
68%
65%
Typical yearly property tax
$1,300 ▲53% above the county
$849
$1,544
$3,119
Effective property tax rate
0.78% ▲0.14 points above the county
0.64%
0.75%
0.94%
Renters with high rent for their income
41% ▼5 points below the county
46%
45%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Whitley 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 Corbin
For a typical $166,000 home in Corbin, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Corbin's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,355a month
Least cash to close
Down payment
$5,810
Cash to close
$10,790
Rate
7.18%
Mortgage insurance
FHA MIP · $73
Conventional, 5% down$1,324a month
Down payment
$8,300
Cash to close
$13,280
Rate
7.18%
Mortgage insurance
PMI · $79
Conventional, 20% down, no PMI$1,077a month
Down payment
$33,200
Cash to close
$38,180
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,230a month
Down payment
$24,900
Cash to close
$29,880
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Corbin
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,355
$5,810
$162,993
7.18%
FHA MIP · $73
$10,790
580
Conventional, 5% down
$1,324
$8,300
$157,700
7.18%
PMI · $79
$13,280
620*
Conventional, 20% down, no PMI
$1,077
$33,200
$132,800
7.18%
None
$38,180
620*
ITIN, 15% down (example)
$1,230
$24,900
$141,100
8.18%
None
$29,880
Set by the lender
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.
Typical rent in Corbin is $733 a month: 8% below the county. In Corbin, 41% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Whitley 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Whitley County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$690
$13.27
$27,600
1 bedroom
$695
$13.37
$27,800
2 bedrooms
$909
$17.48
$36,360
3 bedrooms
$1,129
$21.71
$45,160
4 bedrooms
$1,298
$24.96
$51,920
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 Corbin
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Corbin is in ZIP code 40701.
For 2 bedrooms it is $940: $31 more than the fair market rent for Whitley County ($909).
Fair market rent by ZIP code and size in Corbin, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
40701
$690
$760
$940
$1,160
$1,390
ZIP code2 bd3 bd
40701 $940$1,160
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Corbin 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 14 buildings with rents for lower incomes in Corbin. These are the largest.
Kceoc Corbin Apartments Aka Oak PlaceOak Place Village, Corbin 4070178 low-income homes · 1 bd: 34 · 2 bd: 32 · 3 bd: 12 · In service since 2008 · For families
Valley View Apartments801 Valley View Apts, Corbin 4070173 homes, 54 low-income · For families(606) 528-8118
Friendship House of CorbinE. Master Street, Corbin 4070140 low-income homes · 1 bd: 40 · In service since 2016 · For older adults
Gilbert ApartmentsGilbert ST., Corbin 4070140 low-income homes · 2 bd: 36 · 3 bd: 4 · In service since 2004
Schoolhouse ApartmentsDamon Circle, Corbin 4070140 low-income homes · 2 bd: 36 · 3 bd: 4 · In service since 2003
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 Whitley County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Corbin or Whitley County. The ones below are statewide in Kentucky: they work in Corbin the same as in the rest of the state.
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).
No legal help resource on our list is for Corbin or Whitley County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Corbin and all of Whitley 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 Corbin?
The typical home value in Corbin is $166,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Whitley County it is $131,800.
How much does it cost to rent in Corbin?
Typical rent in Corbin is $733 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Whitley County is $909.
What is the FHA loan limit in Corbin?
Corbin uses the FHA limit for all of Whitley 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 Corbin?
The typical homeowner in Corbin pays $1,300 a year, according to the U.S. Census Bureau. That is 0.78% of the home’s value; in Whitley County, the rate is 0.64%.
Where can I find free help to buy or rent in Corbin?
We found no HUD-approved counseling agencies with an office in Whitley County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
