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City · 30,906 residents · Christian County, Kentucky

Hopkinsville , Kentucky

In Hopkinsville, a typical home is worth $172,100 and typical rent is $902 a month. Compared with all of Christian County, typical rent is 13% lower and typical household income is 11% lower.

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  • Typical home value

    $172,100

    About the same as the county

    16% below Kentucky

    • Hopkinsville
    • Christian
    • Kentucky

  • Typical rent

    $902a month

    13% below the county

    7% below Kentucky

    • Hopkinsville
    • Christian
    • Kentucky

  • Typical household income

    $49,139a year

    11% below the county

    23% below Kentucky

    • Hopkinsville
    • Christian
    • Kentucky

  • Households that own their home

    47%

    3 points below the county

    21 points below Kentucky

    • Hopkinsville
    • Christian
    • Kentucky

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

Market now, with Zillow data

Zillow data
Typical home value
$193,328
1.2% more than 12 months ago
Typical rent
$1,035 a month
3.5% more than 12 months ago

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

Hopkinsville is in Christian 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 Christian County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Hopkinsville apart

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

  1. Nearby, in Princeton, the typical home value is $96,600: 44% less than in Hopkinsville ($172,100).

  2. Nearby, in Russellville, the typical rent is $738: 18% less than in Hopkinsville ($902).

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

The homes here

Housing in Hopkinsville

What homes there are in Hopkinsville, 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 Hopkinsville, 7 in 10 homes are single-family detached houses; in Christian County, 6.

Year built

In Hopkinsville, half of the homes were built before 1976; in Christian County, before 1983.

There are fewer big homes in Hopkinsville than in Christian County: 55% have 3 bedrooms or more, against 63%.

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 limit for Christian County is high ($541,287): at least 97% of owner-occupied homes in Hopkinsville are worth less than $500,000.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Christian County is $1,307; about 83% of rents in Hopkinsville are below it.

With a mortgage

$1,262 a month

Christian County: $1,330 a month

Without a mortgage

$425 a month

Christian County: $429 a month

Owners with a mortgage

58%

Christian County: 56%

Owning costs less in Hopkinsville: with a mortgage, the typical cost is $1,262 a month; in Christian County, $1,330. Without one, $425.

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

From 2015–2019 to 2020–2024, home values in Hopkinsville rose at about the same pace as in Christian County: 48% against 48%.

Rents in Hopkinsville rose at about the same pace as in Christian County: 24% since 2015–2019, against 22%.

The typical household income in Hopkinsville rose 18%: less than home values (+48%) and rent (+24%).

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

MeasureHopkinsvilleChristian CountyKentuckyUnited States
Rental vacancy Unreliable estimate4.5%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 2.352.622.432.53
Drive alone 82%75%77%69%
Carpool 11%11%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate8%2%3%
Work from home 4%5%10%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Hopkinsville are smaller: 2.35 people on average; in Christian County, 2.62.

In Hopkinsville, 82% of workers drive alone to work; in Christian County, 75%.

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 Hopkinsville?

A typical home is tight for the typical income

We start with a typical home in Hopkinsville, worth $172,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Hopkinsville, which is $49,139 a year. For that payment to be 28% of income, a household would need to earn about $59,453 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Hopkinsville. 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 $6,024 (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

$1,387

at 7.18% · 30 years

Loan amount
$168,982
Total interest
$243,126
Paid off in
November 2056

Includes $2,906 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,147 a month

  • Tight

    $1,147 to $1,474 a month

    Your payment · 34%

  • Hard

    more than $1,474 a month

Compared with the typical household income in Hopkinsville ($49,139 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,387
Principal & interest$1,145
Property tax$95
Home insurance$72
FHA mortgage insurance (MIP)$76

You need at least $6,024 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

Hopkinsville and Christian County

Hopkinsville is in Christian 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).

Hopkinsville's own numbers

Typical home value
$172,100
Typical monthly rent
$902
Typical yearly household income
$49,139
Households that own their home
47%
Effective property tax rate
0.66%

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

Numbers for all of Christian County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,307
Price change over 5 years (FHFA)
+65%
Homes in a high flood-risk zone
2.5%

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 Christian County.

Everything about Christian County

Buying

Buying a home in Hopkinsville

A typical home in Hopkinsville is worth $172,100: about the same as the county and 16% below Kentucky. With the typical household income in Hopkinsville ($49,139 a year), a typical home costs 3.5 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.

  • Hopkinsville 3.5 years
  • Christian 3.1 years
  • Kentucky 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Christian County

According to FHFA’s house price index, home prices in Christian County rose 95% in the 10 years through 2025.

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

Period County Kentucky U.S.
Last year (2025) +6.4% +3.9% +2.9%
5 years (2020–2025) +65% +50% +47%
10 years (2015–2025) +95% +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

Hopkinsville next to Christian 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
  • Hopkinsville $172,100
  • Christian $173,600
  • Kentucky $205,600
  • United States $332,700
Typical monthly rent
  • Hopkinsville $902
  • Christian $1,040
  • Kentucky $967
  • United States $1,413
Typical yearly household income
  • Hopkinsville $49,139
  • Christian $55,494
  • Kentucky $63,726
  • United States $80,734
See the full table
Hopkinsville next to Christian County and Kentucky
Measure Hopkinsville Christian County Kentucky U.S.
Typical home value $172,100 $173,600 $205,600 $332,700
Typical monthly rent $902 $1,040 $967 $1,413
Typical yearly household income $49,139 $55,494 $63,726 $80,734
Households that own their home 47% 50% 68% 65%
Typical yearly property tax $1,128 $1,126 $1,544 $3,119
Effective property tax rate 0.66% 0.65% 0.75% 0.94%
Renters with high rent for their income 45% 46% 45% 51%

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

For a typical $172,100 home in Hopkinsville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hopkinsville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,387a month

    Least cash to close
    Down payment
    $6,024
    Cash to close
    $11,187
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $76

  • Conventional, 5% down $1,356a month

    Down payment
    $8,605
    Cash to close
    $13,768
    Rate
    7.18%
    Mortgage insurance
    PMI · $82

  • Conventional, 20% down, no PMI $1,099a month

    Down payment
    $34,420
    Cash to close
    $39,583
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,258a month

    Down payment
    $25,815
    Cash to close
    $30,978
    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 Hopkinsville and for Christian County.

Property tax

Effective rate in Hopkinsville

0.66%of the home’s value each year

$1,128 a year for the typical owner in Hopkinsville.

  • Hopkinsville 0.66%
  • Christian 0.65%
  • 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 Christian County

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

Homes in the high-risk zone
2.5%
619
Of those, with NFIP insurance
46%
County Kentucky U.S.
Homes in the high-risk zone 2.5% 3.5% 3.5%
Of those, with NFIP insurance 46% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Hopkinsville

Typical rent in Hopkinsville is $902 a month: 13% below the county. In Hopkinsville, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Christian County, by unit size. To pay the 2-bedroom one ($1,307 a month) without spending more than 30% of your income, you would need to earn $25.13 an hour working full time.

HUD fair market rent for all of Christian 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 $1,061 $20.40 $42,440
1 bedroom $1,068 $20.54 $42,720
2 bedrooms $1,307 $25.13 $52,280
3 bedrooms $1,786 $34.35 $71,440
4 bedrooms $2,185 $42.02 $87,400

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 Hopkinsville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hopkinsville is in ZIP code 42240.

For 2 bedrooms it is $1,220: $87 less than the fair market rent for Christian County ($1,307).

  • 42240 $1,220$1,690

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

HUD lists 19 buildings with rents for lower incomes in Hopkinsville. These are the largest.

  • Woodland Heights 2530 Greenville RD, Hopkinsville 42240 100 homes, 94 low-income · For families (270) 886-6518
  • Chapel House - Hopkinsville 100 North Dr, Hopkinsville 42240 86 homes, 85 low-income · For older adults (270) 885-0680
  • Friendship House - Hopkinsville 2310 Faulkner Dr, Hopkinsville 42240 61 homes, 60 low-income · For older adults (270) 885-4119
  • Friendship House of Hopkinsville Faulkner Drive, Hopkinsville 42240 61 homes, 53 low-income · 1 bd: 61 · In service since 2016 · For older adults
  • James Village Townhomes East 21st Street, Hopkinsville 42240 48 low-income homes · 3 bd: 48 · In service since 2012 · For families

See all 21 buildings in Christian County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Hopkinsville

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.

There is 1 HUD-approved agency with an office in Christian County; 1 says it serves in Spanish.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Hopkinsville

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

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

  • Kentucky Legal Aid, Incorporated

    401 W 9th St Ste D, Hopkinsville · 2 miles away · Spanish

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (270) 782-5740

  • Kentucky Legal Aid, Incorporated

    100 South Railroad Street, # 120, Madisonville · 34 miles away · Spanish

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (270) 782-5740

  • Kentucky Legal Aid

    1700 Destiny Ln, Bowling Green · 57 miles away · Spanish

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

Every agency in Christian County All counseling agencies in Kentucky

Help in Spanish near Hopkinsville

3 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 Hopkinsville

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

  • Housing Authority of Hopkinsville Public housing and Section 8 vouchers (270) 887-4275

All housing agencies in Kentucky Source: HUD

Cities

Other cities in Christian County

These cities are also in Christian County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Christian County Housing in Kentucky

Nearby cities

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

Neighboring counties

If Christian 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 Hopkinsville.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Hopkinsville

Short answers with the numbers for Hopkinsville and all of Christian 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 Hopkinsville?

The typical home value in Hopkinsville is $172,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Christian County it is $173,600.

How much does it cost to rent in Hopkinsville?

Typical rent in Hopkinsville is $902 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Christian County is $1,307.

What is the FHA loan limit in Hopkinsville?

Hopkinsville uses the FHA limit for all of Christian 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 Hopkinsville?

The typical homeowner in Hopkinsville pays $1,128 a year, according to the U.S. Census Bureau. That is 0.66% of the home’s value; in Christian County, the rate is 0.65%.

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

There is 1 HUD-approved counseling agency with an office in Christian County. 1 says it serves in Spanish. 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).