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City · 39,117 residents · Scott County, Kentucky

Georgetown , Kentucky

In Georgetown, a typical home is worth $265,400 and typical rent is $1,255 a month. Compared with all of Scott County, the typical home value is 8% lower, typical household income is 6% lower, and the share of households that own their home is 9 points lower.

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  • Typical home value

    $265,400

    8% below the county

    29% above Kentucky

    • Georgetown
    • Scott
    • Kentucky

  • Typical rent

    $1,255a month

    About the same as the county

    30% above Kentucky

    • Georgetown
    • Scott
    • Kentucky

  • Typical household income

    $80,088a year

    6% below the county

    26% above Kentucky

    • Georgetown
    • Scott
    • Kentucky

  • Households that own their home

    62%

    9 points below the county

    6 points below Kentucky

    • Georgetown
    • Scott
    • Kentucky

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

Market now, with Zillow data

Zillow data
Typical home value
$342,064
4% more than 12 months ago
Typical rent
$1,581 a month
2.7% more than 12 months ago

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

Georgetown is in Scott 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 Scott County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Georgetown apart

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

  1. Nearby, in Cynthiana, the typical rent is $770: 39% less than in Georgetown ($1,255).

  2. Nearby, in Cynthiana, the typical home value is $172,500: 35% less than in Georgetown ($265,400).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Georgetown rose 4%; in Kentucky, it barely changed.

  4. 62% of households in Georgetown own their home, against 72% in Scott County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Georgetown

What homes there are in Georgetown, 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

In Georgetown, 7 in 10 homes are single-family detached houses; in Scott County, 7.

Year built

In Georgetown, half of the homes were built before 2001; in Scott County, before 2000.

Homes in Georgetown are smaller: 72% have 3 bedrooms or more; in Scott County, 76%.

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

The FHA loan limit for Scott County is $541,287, and about 97% of owner-occupied homes in Georgetown are worth less than that.

Monthly rent with utilities

About 65% of rented homes in Georgetown cost less than HUD's 2-bedroom fair market rent for Scott County ($1,416); the rest cost more.

With a mortgage

$1,542 a month

Scott County: $1,637 a month

Without a mortgage

$491 a month

Scott County: $514 a month

Owners with a mortgage

77%

Scott County: 72%

The typical cost for an owner with a mortgage in Georgetown is $1,542 a month, less than in Scott County ($1,637); without one, $491.

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 Georgetown rose 56% since 2015–2019, more than in Scott County (52%).

The typical rent in Georgetown rose 41% since 2015–2019, about the same as in Scott County (39%).

Housing prices ran ahead of income in Georgetown: typical income rose 22%, against +56% for home values and +41% 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

MeasureGeorgetownScott CountyKentuckyUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.6%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room 1.2%1.0%2.0%3.4%
People per household 2.562.582.432.53
Drive alone 76%77%77%69%
Carpool 12%10%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 1%1%2%3%
Work from home 10%11%10%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

In Georgetown, 1.2% of households live with more than one person per room, about the same as in Scott County.

By size, households in Georgetown look like those in Scott County: 2.56 people on average.

In Georgetown, 76% of workers drive alone to work; in Scott County, 77%.

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 Georgetown?

A typical home is tight for the typical income

We start with a typical home in Georgetown, worth $265,400, 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 Georgetown, which is $80,088 a year. For that payment to be 28% of income, a household would need to earn about $91,968 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Georgetown. 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 $9,289 (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

$2,146

at 7.18% · 30 years

Loan amount
$260,593
Total interest
$374,932
Paid off in
November 2056

Includes $4,482 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,869 a month

  • Tight

    $1,869 to $2,403 a month

    Your payment · 32%

  • Hard

    more than $2,403 a month

Compared with the typical household income in Georgetown ($80,088 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,146
Principal & interest$1,765
Property tax$153
Home insurance$111
FHA mortgage insurance (MIP)$117

You need at least $9,289 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

Georgetown and Scott County

Georgetown is in Scott 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).

Georgetown's own numbers

Typical home value
$265,400
Typical monthly rent
$1,255
Typical yearly household income
$80,088
Households that own their home
62%
Effective property tax rate
0.69%

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

Numbers for all of Scott County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,416
Price change over 5 years (FHFA)
+57%
Homes in a high flood-risk zone
0.9%

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 Scott County.

Everything about Scott County

Buying

Buying a home in Georgetown

A typical home in Georgetown is worth $265,400: 8% below the county and 29% above Kentucky. With the typical household income in Georgetown ($80,088 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.

  • Georgetown 3.3 years
  • Scott 3.4 years
  • Kentucky 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Scott County

According to FHFA’s house price index, home prices in Scott County rose 92% in the 10 years through 2025.

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

Period County Kentucky U.S.
Last year (2025) +4.1% +3.9% +2.9%
5 years (2020–2025) +57% +50% +47%
10 years (2015–2025) +92% +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

Georgetown next to Scott 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
  • Georgetown $265,400
  • Scott $288,500
  • Kentucky $205,600
  • United States $332,700
Typical monthly rent
  • Georgetown $1,255
  • Scott $1,247
  • Kentucky $967
  • United States $1,413
Typical yearly household income
  • Georgetown $80,088
  • Scott $85,158
  • Kentucky $63,726
  • United States $80,734
See the full table
Georgetown next to Scott County and Kentucky
Measure Georgetown Scott County Kentucky U.S.
Typical home value $265,400 $288,500 $205,600 $332,700
Typical monthly rent $1,255 $1,247 $967 $1,413
Typical yearly household income $80,088 $85,158 $63,726 $80,734
Households that own their home 62% 72% 68% 65%
Typical yearly property tax $1,839 $1,908 $1,544 $3,119
Effective property tax rate 0.69% 0.66% 0.75% 0.94%
Renters with high rent for their income 41% 41% 45% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Scott 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 Georgetown

For a typical $265,400 home in Georgetown, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Georgetown's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,146a month

    Least cash to close
    Down payment
    $9,289
    Cash to close
    $17,251
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $117

  • Conventional, 5% down $2,097a month

    Down payment
    $13,270
    Cash to close
    $21,232
    Rate
    7.18%
    Mortgage insurance
    PMI · $126

  • Conventional, 20% down, no PMI $1,702a month

    Down payment
    $53,080
    Cash to close
    $61,042
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,947a month

    Down payment
    $39,810
    Cash to close
    $47,772
    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 Georgetown and for Scott County.

Property tax

Effective rate in Georgetown

0.69%of the home’s value each year

$1,839 a year for the typical owner in Georgetown.

  • Georgetown 0.69%
  • Scott 0.66%
  • 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 Scott County

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

Homes in the high-risk zone
0.9%
140
Of those, with NFIP insurance
50%
County Kentucky U.S.
Homes in the high-risk zone 0.9% 3.5% 3.5%
Of those, with NFIP insurance 50% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Georgetown

Typical rent in Georgetown is $1,255 a month: about the same as the county. In Georgetown, 41% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Scott County, by unit size. To pay the 2-bedroom one ($1,416 a month) without spending more than 30% of your income, you would need to earn $27.23 an hour working full time.

HUD fair market rent for all of Scott 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 $986 $18.96 $39,440
1 bedroom $1,205 $23.17 $48,200
2 bedrooms $1,416 $27.23 $56,640
3 bedrooms $1,948 $37.46 $77,920
4 bedrooms $2,108 $40.54 $84,320

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 Georgetown

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Georgetown is in ZIP code 40324.

For 2 bedrooms it is $1,470: $54 more than the fair market rent for Scott County ($1,416).

  • 40324 $1,470$2,020

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Georgetown 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 Georgetown

HUD lists 14 buildings with rents for lower incomes in Georgetown. These are the largest.

  • Scroggin Park 400 W Lynn St, Georgetown 40324 328 low-income homes · Run by Housing Authority of Georgetown · Average payment: $329 a month · Average wait: 12 months (502) 863-3773
  • Fairfax Hall Apartments (southern Oaks Apts) Fairfax Way, Georgetown 40324 58 low-income homes · 1 bd: 12 · 2 bd: 40 · 3 bd: 6 · In service since 2008 · For families
  • The Overlook at Elkhorn Creek, Phase II Overview Path, Georgetown 40324 48 low-income homes · 2 bd: 24 · 3 bd: 24 · In service since 2006 · For families
  • Windsor Place Apartments 110 Greenbriar Dr, Georgetown 40324 46 low-income homes · For families (502) 863-0654
  • The Overlook at Elkhorn Creek Overview Path, Georgetown 40324 44 low-income homes · 2 bd: 20 · 3 bd: 24 · In service since 2005 · For families

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

Free help

Help to buy or rent in Georgetown

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 Scott County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Georgetown

No down payment, repair or rent-help program on our list is for Georgetown or Scott County. The ones below are statewide in Kentucky: they work in Georgetown 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 Georgetown

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

  • Community Ventures Corporation

    1450 N Broadway, Lexington · 14 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (859) 231-0054

  • Reach, Inc.

    733 Red Mile Rd, Lexington · 15 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (859) 455-8057

  • Apprisen - Lexington

    3499 Blazer Pkwy, Lexington · 19 miles away

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

All counseling agencies in Kentucky

Help in Spanish near Georgetown

1 of the 3 agencies on this list says it serves 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 Georgetown

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

  • Housing Authority of Georgetown Public housing and Section 8 vouchers (502) 863-3773

All housing agencies in Kentucky Source: HUD

Cities

Nearby cities

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

Everything about Scott County Housing in Kentucky

Neighboring counties

If Scott 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 Georgetown.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Georgetown

Short answers with the numbers for Georgetown and all of Scott 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 Georgetown?

The typical home value in Georgetown is $265,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Scott County it is $288,500.

How much does it cost to rent in Georgetown?

Typical rent in Georgetown is $1,255 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Scott County is $1,416.

What is the FHA loan limit in Georgetown?

Georgetown uses the FHA limit for all of Scott 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 Georgetown?

The typical homeowner in Georgetown pays $1,839 a year, according to the U.S. Census Bureau. That is 0.69% of the home’s value; in Scott County, the rate is 0.66%.

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

We found no HUD-approved counseling agencies with an office in Scott 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).