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City · 15,197 residents · Barren County, Kentucky

Glasgow , Kentucky

In Glasgow, a typical home is worth $173,900 and typical rent is $849 a month. Compared with all of Barren County, typical household income is 15% lower, typical rent is 7% higher, and the share of households that own their home is 17 points lower.

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  • Typical home value

    $173,900

    2% below the county

    15% below Kentucky

    • Glasgow
    • Barren
    • Kentucky

  • Typical rent

    $849a month

    7% above the county

    12% below Kentucky

    • Glasgow
    • Barren
    • Kentucky

  • Typical household income

    $43,074a year

    15% below the county

    32% below Kentucky

    • Glasgow
    • Barren
    • Kentucky

  • Households that own their home

    49%

    17 points below the county

    20 points below Kentucky

    • Glasgow
    • Barren
    • Kentucky

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

Market now, with Zillow data

Zillow data
Typical home value
$214,949
0.9% less than 12 months ago
Typical rent
$988 a month

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

Glasgow is in Barren 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 Barren County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Glasgow apart

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

  1. 49% of households in Glasgow own their home, against 65% in Barren County.

  2. Nearby, in Leitchfield, the typical rent is $621: 27% less than in Glasgow ($849).

  3. Glasgow has the 8th lowest typical household income of the 85 cities in Kentucky with more than 5,000 people ($43,074).

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

The homes here

Housing in Glasgow

What homes there are in Glasgow, 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 Glasgow (59%), but less so than in Barren County (68%).

Year built

Homes in Glasgow are older: the typical year built is 1977; in Barren County, 1985.

Homes in Glasgow are smaller: 59% have 3 bedrooms or more; in Barren County, 68%.

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

About 95% of owner-occupied homes in Glasgow are worth less than the FHA loan limit for Barren County ($541,287).

Monthly rent with utilities

Measured against HUD's 2-bedroom fair market rent ($916), about 63% of rented homes in Glasgow cost less.

With a mortgage

$1,223 a month

Barren County: $1,281 a month

Without a mortgage

$468 a month

Barren County: $418 a month

Owners with a mortgage

53%

Barren County: 54%

The typical cost for an owner with a mortgage in Glasgow is $1,223 a month, near the figure in Barren County ($1,281).

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 Glasgow rose 43% since 2015–2019, about the same as in Barren County (42%).

Much as in Barren County, the typical rent in Glasgow rose 18% since 2015–2019.

While home values in Glasgow changed +43% and rent +18%, the typical household income rose 23%.

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

MeasureGlasgowBarren CountyKentuckyUnited States
Rental vacancy Unreliable estimate5.3%4.6%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate2.8%2.0%3.4%
People per household 2.322.462.432.53
Drive alone 72%77%77%69%
Carpool 19%12%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate7%10%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

On average, a household in Glasgow has 2.32 people, fewer than in Barren County (2.46).

In Glasgow, 19% of workers share a car to get to work; in Barren County, 12%.

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 Glasgow?

A typical home costs more than the typical income allows

We start with a typical home in Glasgow, worth $173,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Glasgow, which is $43,074 a year. For that payment to be 28% of income, a household would need to earn about $60,323 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Glasgow. 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 $6,087 (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

$1,408

at 7.18% · 30 years

Loan amount
$170,750
Total interest
$245,669
Paid off in
November 2056

Includes $2,937 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,005 a month

  • Tight

    $1,005 to $1,292 a month

  • Hard

    more than $1,292 a month

    Your payment · 39%

Compared with the typical household income in Glasgow ($43,074 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,408
Principal & interest$1,157
Property tax$101
Home insurance$73
FHA mortgage insurance (MIP)$77

You need at least $6,087 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

Glasgow and Barren County

Glasgow is in Barren 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).

Glasgow's own numbers

Typical home value
$173,900
Typical monthly rent
$849
Typical yearly household income
$43,074
Households that own their home
49%
Effective property tax rate
0.7%

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

Numbers for all of Barren County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$916
Price change over 5 years (FHFA)
+58%
Homes in a high flood-risk zone
1%

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 Barren County.

Everything about Barren County

Buying

Buying a home in Glasgow

A typical home in Glasgow is worth $173,900: 2% below the county and 15% below Kentucky. With the typical household income in Glasgow ($43,074 a year), a typical home costs 4.0 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.

  • Glasgow 4.0 years
  • Barren 3.5 years
  • Kentucky 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Barren County

According to FHFA’s house price index, home prices in Barren County rose 90% in the 10 years through 2025.

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

Period County Kentucky U.S.
Last year (2025) +0.9% +3.9% +2.9%
5 years (2020–2025) +58% +50% +47%
10 years (2015–2025) +90% +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

Glasgow next to Barren 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
  • Glasgow $173,900
  • Barren $178,000
  • Kentucky $205,600
  • United States $332,700
Typical monthly rent
  • Glasgow $849
  • Barren $796
  • Kentucky $967
  • United States $1,413
Typical yearly household income
  • Glasgow $43,074
  • Barren $50,628
  • Kentucky $63,726
  • United States $80,734
See the full table
Glasgow next to Barren County and Kentucky
Measure Glasgow Barren County Kentucky U.S.
Typical home value $173,900 $178,000 $205,600 $332,700
Typical monthly rent $849 $796 $967 $1,413
Typical yearly household income $43,074 $50,628 $63,726 $80,734
Households that own their home 49% 65% 68% 65%
Typical yearly property tax $1,220 $1,212 $1,544 $3,119
Effective property tax rate 0.7% 0.68% 0.75% 0.94%
Renters with high rent for their income 55% 46% 45% 51%

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

For a typical $173,900 home in Glasgow, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Glasgow's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,408a month

    Least cash to close
    Down payment
    $6,087
    Cash to close
    $11,304
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $77

  • Conventional, 5% down $1,376a month

    Down payment
    $8,695
    Cash to close
    $13,912
    Rate
    7.18%
    Mortgage insurance
    PMI · $83

  • Conventional, 20% down, no PMI $1,116a month

    Down payment
    $34,780
    Cash to close
    $39,997
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,277a month

    Down payment
    $26,085
    Cash to close
    $31,302
    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 Glasgow and for Barren County.

Property tax

Effective rate in Glasgow

0.7%of the home’s value each year

$1,220 a year for the typical owner in Glasgow.

  • Glasgow 0.7%
  • Barren 0.68%
  • 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 Barren County

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

Homes in the high-risk zone
1%
213
Of those, with NFIP insurance
9.4%
County Kentucky U.S.
Homes in the high-risk zone 1% 3.5% 3.5%
Of those, with NFIP insurance 9.4% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Glasgow

Typical rent in Glasgow is $849 a month: 7% above the county. In Glasgow, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Barren County, by unit size. To pay the 2-bedroom one ($916 a month) without spending more than 30% of your income, you would need to earn $17.62 an hour working full time.

HUD fair market rent for all of Barren 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 $696 $13.38 $27,840
1 bedroom $700 $13.46 $28,000
2 bedrooms $916 $17.62 $36,640
3 bedrooms $1,171 $22.52 $46,840
4 bedrooms $1,331 $25.60 $53,240

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 Glasgow

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Glasgow is in ZIP code 42141.

For 2 bedrooms it is $970: $54 more than the fair market rent for Barren County ($916).

  • 42141 $970$1,240

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

HUD lists 7 buildings with rents for lower incomes in Glasgow. These are the largest.

  • Shamrock, Sam Terry-Bunc 301 Jefferson St, Glasgow 42141 300 homes, 296 low-income · Run by Housing Authority of Glasgow · Average payment: $384 a month · Average wait: 15 months · Homes at several sites (270) 651-3859
  • Arbors of Glasgow Apts 108 Adams Pl, Glasgow 42141 76 low-income homes · For families (270) 651-5323
  • Regency Park - Glasgow 203 Columbia Ave, Glasgow 42141 64 homes, 63 low-income · For older adults (270) 651-6696
  • Bluegrass Place I Apartments Cleveland Avenue, Glasgow 42141 48 low-income homes · 1 bd: 16 · 2 bd: 24 · 3 bd: 8 · In service since 2005 · For families
  • Bluegrass Place II Apartments Cleveland Ave., Glasgow 42141 36 low-income homes · 1 bd: 12 · 2 bd: 24 · In service since 2005 · For families

See all 9 buildings in Barren County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Glasgow

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

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Glasgow

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

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

  • Housing Assistance and Development Services, Inc.

    2530 Scottsville Rd Ste 106A, Bowling Green · 28 miles away

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

  • Live the Dream Development, Inc

    247 Double Springs Rd, Bowling Green · 28 miles away

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

  • Kentucky Legal Aid

    1700 Destiny Ln, Bowling Green · 29 miles away · Spanish

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 3 more
    (270) 782-1924

All counseling agencies in Kentucky

Help in Spanish near Glasgow

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 Glasgow

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

  • Housing Authority of Glasgow Public housing and Section 8 vouchers (270) 651-3859

All housing agencies in Kentucky Source: HUD

Cities

Nearby cities

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

Everything about Barren County Housing in Kentucky

Neighboring counties

If Barren 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 Glasgow.

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

Questions

Housing questions about Glasgow

Short answers with the numbers for Glasgow and all of Barren 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 Glasgow?

The typical home value in Glasgow is $173,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Barren County it is $178,000.

How much does it cost to rent in Glasgow?

Typical rent in Glasgow is $849 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Barren County is $916.

What is the FHA loan limit in Glasgow?

Glasgow uses the FHA limit for all of Barren 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 Glasgow?

The typical homeowner in Glasgow pays $1,220 a year, according to the U.S. Census Bureau. That is 0.7% of the home’s value; in Barren County, the rate is 0.68%.

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

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