In Hebron, a typical home is worth $239,300 and typical rent is $1,491 a month. Compared with all of Boone County, the typical home value is 14% lower, typical rent is 9% higher, and the share of households that own their home is 8 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $321,421 to $386,231.
Typical rent
$1,803a month
Typical rent from Zillow, March 2026 to September 2026: from $1,618 to $1,803.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Hebron is in Boone 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 Boone County. See the county
What this place has that others do not, from public data, most unusual first.
1
Hebron has the 6th highest typical rent of the 85 cities in Kentucky with more than 5,000 people ($1,491).
2
Hebron has the 7th highest typical household income of the 85 cities in Kentucky with more than 5,000 people ($106,719).
3
Hebron has the 7th highest homeownership rate of the 84 cities in Kentucky with more than 5,000 people (85%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Hebron
What homes there are in Hebron, 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
Hebron
Boone County
Kentucky
United States
Kind of home: Hebron and its comparisons
Measure
Hebron
Boone County
Kentucky
United States
Detached house
94%
68%
68%
61%
Attached house
Unreliable estimate
6%
3%
6%
Building of 2 to 4
Unreliable estimate
3%
7%
8%
Apartments (5 or more)
Unreliable estimate
19%
12%
19%
Mobile home
Unreliable estimate
4%
11%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 94% of homes here, against 68% in Boone County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Hebron
Boone County
Kentucky
United States
Year built: Hebron and its comparisons
Measure
Hebron
Boone County
Kentucky
United States
Before 1960
17%
9%
22%
26%
1960–1979
Unreliable estimate
17%
26%
24%
1980–1999
36%
33%
28%
25%
2000–2009
38%
27%
15%
14%
2010 or later
7%
15%
11%
11%
In Hebron, half of the homes were built before 1997; in Boone County, before 1996.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K57%
$300K–$500K20%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Hebron and its comparisons
Measure
Hebron
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
57%
$300K–$500K
20%
$500K–$750K
Unreliable
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Hebron and its comparisons
Measure
Hebron
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$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
With a mortgage
$1,434 a month
Boone County: $1,656 a month
Without a mortgage
$535 a month
Boone County: $582 a month
Owners with a mortgage
71%
Boone County: 70%
Owning costs less in Hebron: with a mortgage, the typical cost is $1,434 a month; in Boone County, $1,656. Without one, $535.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Hebron+50%
Boone County+46%
Kentucky+46%
United States+53%
Typical rent
Hebron+34%
Boone County+39%
Kentucky+27%
United States+33%
Typical household income
Hebron+19%
Boone County+27%
Kentucky+26%
United States+29%
Change since 2015–2019: Hebron and its comparisons
Measure
Hebron
Boone County
Kentucky
United States
Typical home value
+50%
+46%
+46%
+53%
Typical rent
+34%
+39%
+27%
+33%
Typical household income
+19%
+27%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Hebron rose 50%; in Boone County, it rose 46%.
Rents in Hebron rose more slowly than in Boone County: 34% since 2015–2019, against 39%.
The typical household income in Hebron rose 19%: less than home values (+50%) and rent (+34%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Hebron and its comparisons
Measure
Hebron
Boone County
Kentucky
United States
Rental vacancy
Unreliable estimate
4.3%
4.6%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
2.3%
2.0%
3.4%
People per household
3.13
2.72
2.43
2.53
Drive alone
75%
77%
77%
69%
Carpool
Unreliable estimate
7%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
0%
2%
3%
Work from home
13%
13%
10%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More people live in each home here: 3.13 on average, against 2.72 in Boone County.
In Hebron, 75% of workers drive alone to work; in Boone County, 77%.
Do the math
What would you pay each month for a home in Hebron?
A typical home is within reach of the typical income
We start with a typical home in Hebron, worth $239,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 22% of the typical household income in Hebron, which is $106,719 a year.
The calculator's FHA and conventional loan limits are those of all of Boone 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 Hebron. 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 $8,376 (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
$1,947
at 7.18% · 30 years
Loan amount
$234,965
Total interest
$338,060
Paid off in
November 2056
Includes $4,041 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,490 a month
Your payment · 22%
Tight
$2,490 to $3,202 a month
Hard
more than $3,202 a month
Compared with the typical household income in Hebron ($106,719 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,592
Property tax
$150
Home insurance
$100
FHA mortgage insurance (MIP)
$106
You need at least $8,376 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 $1,947; principal and interest $1,592.
The city and its county
Hebron and Boone County
Hebron is in Boone 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).
Hebron
Map of Boone County, Kentucky, with Hebron marked. Around it, the neighboring counties.
Hebron
Boone County
Other cities with a page
Hebron's own numbers
Typical home value
$239,300
Typical monthly rent
$1,491
Typical yearly household income
$106,719
Households that own their home
85%
Effective property tax rate
0.75%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Boone County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,442
Price change over 5 years (FHFA)
+50%
Homes in a high flood-risk zone
0.7%
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 Boone County.
A typical home in Hebron is worth $239,300: 14% below the county and 16% above Kentucky. With the typical household income in Hebron ($106,719 a year), a typical home costs 2.2 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.
Hebron2.2 years
Boone2.8 years
Kentucky3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Boone County
According to FHFA’s house price index, home prices in Boone County rose 88% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Boone County.
Yearly change in FHFA’s price index in Boone County, 2016 to 2025
2016: +3.3% +3.3% 2016
2017: +4.8% +4.8% 2017
2018: +4.9% +4.9% 2018
2019: +5.7% +5.7% 2019
2020: +4.1% +4.1% 2020
2021: +11.0% +11.0% 2021
2022: +15.2% +15.2% 2022
2023: +8.8% +8.8% 2023
2024: +4.7% +4.7% 2024
2025: +3.2% +3.2% 2025
Change in FHFA’s price index in Boone County, Kentucky and the United States
Period
County
Kentucky
U.S.
Last year (2025)
+3.2%
+3.9%
+2.9%
5 years (2020–2025)
+50%
+50%
+47%
10 years (2015–2025)
+88%
+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
Hebron next to Boone 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
Hebron$239,300
Boone$277,300
Kentucky$205,600
United States$332,700
Typical monthly rent
Hebron$1,491
Boone$1,373
Kentucky$967
United States$1,413
Typical yearly household income
Hebron$106,719
Boone$99,414
Kentucky$63,726
United States$80,734
See the full table
Hebron next to Boone County and Kentucky
Measure
Hebron
Boone County
Kentucky
U.S.
Typical home value
$239,300 ▼14% below the county
$277,300
$205,600
$332,700
Typical monthly rent
$1,491 ▲9% above the county
$1,373
$967
$1,413
Typical yearly household income
$106,719 ▲7% above the county
$99,414
$63,726
$80,734
Households that own their home
85% ▲8 points above the county
76%
68%
65%
Typical yearly property tax
$1,801 ▼24% below the county
$2,372
$1,544
$3,119
Effective property tax rate
0.75% ▼0.11 points below the county
0.86%
0.75%
0.94%
Renters with high rent for their income
56% ▲16 points above the county
40%
45%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Boone 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 Hebron
For a typical $239,300 home in Hebron, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hebron's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,947a month
Least cash to close
Down payment
$8,376
Cash to close
$15,555
Rate
7.18%
Mortgage insurance
FHA MIP · $106
Conventional, 5% down$1,903a month
Down payment
$11,965
Cash to close
$19,144
Rate
7.18%
Mortgage insurance
PMI · $114
Conventional, 20% down, no PMI$1,546a month
Down payment
$47,860
Cash to close
$55,039
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,767a month
Down payment
$35,895
Cash to close
$43,074
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Hebron
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,947
$8,376
$234,966
7.18%
FHA MIP · $106
$15,555
580
Conventional, 5% down
$1,903
$11,965
$227,335
7.18%
PMI · $114
$19,144
620*
Conventional, 20% down, no PMI
$1,546
$47,860
$191,440
7.18%
None
$55,039
620*
ITIN, 15% down (example)
$1,767
$35,895
$203,405
8.18%
None
$43,074
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 Hebron is $1,491 a month: 9% above the county. In Hebron, 56% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Boone County, by unit size. To pay the 2-bedroom one ($1,442 a month) without spending more than 30% of your income, you would need to earn $27.73 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 Boone County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,052
$20.23
$42,080
1 bedroom
$1,128
$21.69
$45,120
2 bedrooms
$1,442
$27.73
$57,680
3 bedrooms
$1,897
$36.48
$75,880
4 bedrooms
$2,141
$41.17
$85,640
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 Hebron
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hebron has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,830 in 41048 to $1,840 in 41005.
2 of the 2 are above the fair market rent for Boone County ($1,442).
Fair market rent by ZIP code and size in Hebron, fiscal year 2027.
41005
$1,340
$1,440
$1,840
$2,420
$2,730
41048
$1,330
$1,430
$1,830
$2,410
$2,720
ZIP code2 bd3 bd
41005 $1,840$2,420
41048 $1,830$2,410
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Hebron 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)
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 Boone 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 Hebron or Boone County. The ones below are statewide in Kentucky: they work in Hebron 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 Hebron or Boone 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 Hebron and all of Boone 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 Hebron?
The typical home value in Hebron is $239,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Boone County it is $277,300.
How much does it cost to rent in Hebron?
Typical rent in Hebron is $1,491 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Boone County is $1,442.
What is the FHA loan limit in Hebron?
Hebron uses the FHA limit for all of Boone 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 Hebron?
The typical homeowner in Hebron pays $1,801 a year, according to the U.S. Census Bureau. That is 0.75% of the home’s value; in Boone County, the rate is 0.86%.
Where can I find free help to buy or rent in Hebron?
We found no HUD-approved counseling agencies with an office in Boone County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
