In Leitchfield, a typical home is worth $159,100 and typical rent is $621 a month. Compared with all of Grayson County, typical household income is 13% lower, typical rent is 6% lower, and the share of households that own their home is 25 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $167,204 to $162,903.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Leitchfield is in Grayson 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 Grayson County. See the county
What this place has that others do not, from public data, most unusual first.
1
Leitchfield has the 2nd lowest typical rent of the 85 cities in Kentucky with more than 5,000 people ($621).
2
50% of households in Leitchfield own their home, against 75% in Grayson County.
3
According to Zillow, in the 12 months to September 2026 the typical home value in Leitchfield fell 16.9%; in Kentucky, it barely changed.
4
Leitchfield has the 8th smallest share of rent-burdened renters of the 76 cities in Kentucky with more than 5,000 people (34%).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Leitchfield
What homes there are in Leitchfield, 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
Leitchfield
Grayson County
Kentucky
United States
Kind of home: Leitchfield and its comparisons
Measure
Leitchfield
Grayson County
Kentucky
United States
Detached house
58%
73%
68%
61%
Attached house
Unreliable estimate
Unreliable estimate
3%
6%
Building of 2 to 4
17%
5%
7%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
12%
19%
Mobile home
Unreliable estimate
16%
11%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Leitchfield (58%), but less so than in Grayson County (73%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Leitchfield
Grayson County
Kentucky
United States
Year built: Leitchfield and its comparisons
Measure
Leitchfield
Grayson County
Kentucky
United States
Before 1960
14%
11%
22%
26%
1960–1979
46%
29%
26%
24%
1980–1999
30%
30%
28%
25%
2000–2009
5%
16%
15%
14%
2010 or later
Unreliable estimate
14%
11%
11%
Homes in Leitchfield are older: the typical year built is 1977; in Grayson County, 1988.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K25%
$100K–$200K50%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Leitchfield and its comparisons
Measure
Leitchfield
Under $100K
25%
$100K–$200K
50%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50029%
$500–$99952%
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: Leitchfield and its comparisons
Measure
Leitchfield
Under $500
29%
$500–$999
52%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
HUD's 2-bedroom fair market rent (FMR) for Grayson County is $909; about 71% of rents in Leitchfield are below it.
With a mortgage
$989 a month
Grayson County: $1,274 a month
Without a mortgage
$426 a month
Grayson County: $416 a month
Owners with a mortgage
56%
Grayson County: 45%
Owning costs less in Leitchfield: with a mortgage, the typical cost is $989 a month; in Grayson County, $1,274. Without one, $426.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Leitchfield+55%
Grayson County+45%
Kentucky+46%
United States+53%
Typical rent
LeitchfieldNo clear change
Grayson County+12%
Kentucky+27%
United States+33%
Typical household income
Leitchfield+42%
Grayson County+32%
Kentucky+26%
United States+29%
Change since 2015–2019: Leitchfield and its comparisons
Measure
Leitchfield
Grayson County
Kentucky
United States
Typical home value
+55%
+45%
+46%
+53%
Typical rent
No clear change
+12%
+27%
+33%
Typical household income
+42%
+32%
+26%
+29%
The typical home value in Leitchfield rose 55% since 2015–2019, more than in Grayson County (45%).
Since 2015–2019, the typical rent in Leitchfield did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Leitchfield and its comparisons
Measure
Leitchfield
Grayson 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
2.6%
2.0%
3.4%
People per household
2.28
2.58
2.43
2.53
Drive alone
76%
78%
77%
69%
Carpool
18%
14%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
Unreliable estimate
7%
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
Fewer people live in each home here: 2.28 on average, against 2.58 in Grayson County.
In Leitchfield, 18% of workers share a car to get to work; in Grayson County, 14%.
Do the math
What would you pay each month for a home in Leitchfield?
A typical home is tight for the typical income
We start with a typical home in Leitchfield, worth $159,100, 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 Leitchfield, which is $44,347 a year. For that payment to be 28% of income, a household would need to earn about $54,337 a year.
The calculator's FHA and conventional loan limits are those of all of Grayson 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 Leitchfield. 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 $5,569 (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
$1,268
at 7.18% · 30 years
Loan amount
$156,218
Total interest
$224,761
Paid off in
November 2056
Includes $2,687 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,035 a month
Tight
$1,035 to $1,330 a month
Your payment · 34%
Hard
more than $1,330 a month
Compared with the typical household income in Leitchfield ($44,347 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,058
Property tax
$73
Home insurance
$66
FHA mortgage insurance (MIP)
$70
You need at least $5,569 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 $1,268; principal and interest $1,058.
The city and its county
Leitchfield and Grayson County
Leitchfield is in Grayson 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).
Leitchfield
Map of Grayson County, Kentucky, with Leitchfield marked. Around it, the neighboring counties.
Leitchfield
Grayson County
Leitchfield's own numbers
Typical home value
$159,100
Typical monthly rent
$621
Typical yearly household income
$44,347
Households that own their home
50%
Effective property tax rate
0.55%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Grayson 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)
+51%
Homes in a high flood-risk zone
0.5%
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 Grayson County.
A typical home in Leitchfield is worth $159,100: 3% below the county and 23% below Kentucky. With the typical household income in Leitchfield ($44,347 a year), a typical home costs 3.6 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.
Leitchfield3.6 years
Grayson3.2 years
Kentucky3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Grayson County
According to FHFA’s house price index, home prices in Grayson County rose 80% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Grayson County.
Yearly change in FHFA’s price index in Grayson County, 2016 to 2025
2016: +1.5% +1.5% 2016
2017: +6.5% +6.5% 2017
2018: +4.4% +4.4% 2018
2019: +2.4% +2.4% 2019
2020: +3.1% +3.1% 2020
2021: +11.8% +11.8% 2021
2022: +15.3% +15.3% 2022
2023: +2.7% +2.7% 2023
2024: +10.1% +10.1% 2024
2025: +3.9% +3.9% 2025
Change in FHFA’s price index in Grayson County, Kentucky and the United States
Period
County
Kentucky
U.S.
Last year (2025)
+3.9%
+3.9%
+2.9%
5 years (2020–2025)
+51%
+50%
+47%
10 years (2015–2025)
+80%
+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
Leitchfield next to Grayson 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
Leitchfield$159,100
Grayson$164,600
Kentucky$205,600
United States$332,700
Typical monthly rent
Leitchfield$621
Grayson$658
Kentucky$967
United States$1,413
Typical yearly household income
Leitchfield$44,347
Grayson$50,757
Kentucky$63,726
United States$80,734
See the full table
Leitchfield next to Grayson County and Kentucky
Measure
Leitchfield
Grayson County
Kentucky
U.S.
Typical home value
$159,100 ▼3% below the county
$164,600
$205,600
$332,700
Typical monthly rent
$621 ▼6% below the county
$658
$967
$1,413
Typical yearly household income
$44,347 ▼13% below the county
$50,757
$63,726
$80,734
Households that own their home
50% ▼25 points below the county
75%
68%
65%
Typical yearly property tax
$873 ▼6% below the county
$930
$1,544
$3,119
Effective property tax rate
0.55% ▼0.02 points below the county
0.57%
0.75%
0.94%
Renters with high rent for their income
34%
34%
45%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Grayson 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 Leitchfield
For a typical $159,100 home in Leitchfield, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Leitchfield's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,268a month
Least cash to close
Down payment
$5,569
Cash to close
$10,342
Rate
7.18%
Mortgage insurance
FHA MIP · $70
Conventional, 5% down$1,239a month
Down payment
$7,955
Cash to close
$12,728
Rate
7.18%
Mortgage insurance
PMI · $76
Conventional, 20% down, no PMI$1,001a month
Down payment
$31,820
Cash to close
$36,593
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,149a month
Down payment
$23,865
Cash to close
$28,638
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Leitchfield
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,268
$5,569
$156,218
7.18%
FHA MIP · $70
$10,342
580
Conventional, 5% down
$1,239
$7,955
$151,145
7.18%
PMI · $76
$12,728
620*
Conventional, 20% down, no PMI
$1,001
$31,820
$127,280
7.18%
None
$36,593
620*
ITIN, 15% down (example)
$1,149
$23,865
$135,235
8.18%
None
$28,638
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 Leitchfield is $621 a month: 6% below the county. In Leitchfield, 34% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Grayson 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 Grayson County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$650
$12.50
$26,000
1 bedroom
$779
$14.98
$31,160
2 bedrooms
$909
$17.48
$36,360
3 bedrooms
$1,259
$24.21
$50,360
4 bedrooms
$1,270
$24.42
$50,800
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 Leitchfield
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Leitchfield is in ZIP code 42754.
For 2 bedrooms it is $1,040: $131 more than the fair market rent for Grayson County ($909).
Fair market rent by ZIP code and size in Leitchfield, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
42754
$810
$890
$1,040
$1,250
$1,630
ZIP code2 bd3 bd
42754 $1,040$1,250
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Leitchfield 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 16 buildings with rents for lower incomes in Leitchfield. These are the largest.
Cave Mill Apartments400 Sunrise Dr, Leitchfield 4275474 low-income homes · For families(270) 259-6481
Parkland Manor ApartmentsEast Lake Drive, Leitchfield 4275474 low-income homes · 1 bd: 32 · 2 bd: 32 · 4 bd: 10 · In service since 2005 · For older adults
Parkway Villa Apartments105 Penner Dr, Leitchfield 4275448 low-income homes · For families(270) 259-3674
Parkland Manor702 William Thomason Byu, Leitchfield 4275442 low-income homes · For older adults(270) 259-9254
Hillview ApartmentsBrandenburg RD., Leitchfield 4275434 low-income homes · 1 bd: 34 · In service since 2001 · For older adults
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 Grayson 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 Leitchfield or Grayson County. The ones below are statewide in Kentucky: they work in Leitchfield 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 Leitchfield or Grayson 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 Leitchfield and all of Grayson 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 Leitchfield?
The typical home value in Leitchfield is $159,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Grayson County it is $164,600.
How much does it cost to rent in Leitchfield?
Typical rent in Leitchfield is $621 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Grayson County is $909.
What is the FHA loan limit in Leitchfield?
Leitchfield uses the FHA limit for all of Grayson 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 Leitchfield?
The typical homeowner in Leitchfield pays $873 a year, according to the U.S. Census Bureau. That is 0.55% of the home’s value; in Grayson County, the rate is 0.57%.
Where can I find free help to buy or rent in Leitchfield?
We found no HUD-approved counseling agencies with an office in Grayson County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
