In Maysville, a typical home is worth $151,500 and typical rent is $699 a month. Compared with all of Mason County, typical household income is 25% lower, the typical home value is 6% lower, and the share of households that own their home is 14 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $120,473 to $160,243.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Maysville is in Mason 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 Mason County. See the county
What this place has that others do not, from public data, most unusual first.
1
Maysville has the 5th lowest typical household income of the 85 cities in Kentucky with more than 5,000 people ($39,013).
2
52% of households in Maysville own their home, against 66% in Mason County.
3
Maysville has the 7th lowest typical rent of the 85 cities in Kentucky with more than 5,000 people ($699).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Maysville
What homes there are in Maysville, 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
Maysville
Mason County
Kentucky
United States
Kind of home: Maysville and its comparisons
Measure
Maysville
Mason County
Kentucky
United States
Detached house
56%
66%
68%
61%
Attached house
7%
4%
3%
6%
Building of 2 to 4
14%
9%
7%
8%
Apartments (5 or more)
22%
13%
12%
19%
Mobile home
Unreliable estimate
9%
11%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Maysville, 6 in 10 homes are single-family detached houses; in Mason County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Maysville
Mason County
Kentucky
United States
Year built: Maysville and its comparisons
Measure
Maysville
Mason County
Kentucky
United States
Before 1960
39%
31%
22%
26%
1960–1979
24%
23%
26%
24%
1980–1999
25%
26%
28%
25%
2000–2009
8%
13%
15%
14%
2010 or later
Unreliable estimate
6%
11%
11%
Homes in Maysville are older: the typical year built is 1971; in Mason County, 1977.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K27%
$100K–$200K33%
$200K–$300K24%
$300K–$500K14%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Maysville and its comparisons
Measure
Maysville
Under $100K
27%
$100K–$200K
33%
$200K–$300K
24%
$300K–$500K
14%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
The FHA limit for Mason County is high ($541,287): at least 98% of owner-occupied homes in Maysville are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50034%
$500–$99957%
$1,000–$1,499Unreliable
HUD fair market rent, 2 bedrooms: $1,001
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Maysville and its comparisons
Measure
Maysville
Under $500
34%
$500–$999
57%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a HUD fair market rent of $1,001 for 2 bedrooms, at least 91% of rented homes in Maysville sit below it.
With a mortgage
$1,150 a month
Mason County: $1,245 a month
Without a mortgage
$456 a month
Mason County: $405 a month
Owners with a mortgage
44%
Mason County: 50%
In Maysville, 44% of owners have a mortgage, and their typical cost is $1,150 a month, against $1,245 in Mason County. Without one it drops to $456.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
MaysvilleNo clear change
Mason County+22%
Kentucky+46%
United States+53%
Typical rent
MaysvilleNo clear change
Mason County+10%
Kentucky+27%
United States+33%
Typical household income
MaysvilleNo clear change
Mason CountyNo clear change
Kentucky+26%
United States+29%
Change since 2015–2019: Maysville and its comparisons
Measure
Maysville
Mason County
Kentucky
United States
Typical home value
No clear change
+22%
+46%
+53%
Typical rent
No clear change
+10%
+27%
+33%
Typical household income
No clear change
No clear change
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Maysville did not change clearly: the difference is within the Census margin of error.
Since 2015–2019, the typical rent in Maysville did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Maysville and its comparisons
Measure
Maysville
Mason 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
Unreliable estimate
2.0%
3.4%
People per household
2.13
2.34
2.43
2.53
Drive alone
86%
82%
77%
69%
Carpool
Unreliable estimate
7%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
6%
8%
10%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.13 on average, against 2.34 in Mason County.
To get to work, 86% of workers in Maysville drive alone; in Mason County, 82%.
Do the math
What would you pay each month for a home in Maysville?
A typical home costs more than the typical income allows
We start with a typical home in Maysville, worth $151,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Maysville, which is $39,013 a year. For that payment to be 28% of income, a household would need to earn about $53,094 a year.
The calculator's FHA and conventional loan limits are those of all of Mason 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 Maysville. 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 $5,303 (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
$1,239
at 7.18% · 30 years
Loan amount
$148,755
Total interest
$214,024
Paid off in
November 2056
Includes $2,558 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $910 a month
Tight
$910 to $1,170 a month
Hard
more than $1,170 a month
Your payment · 38%
Compared with the typical household income in Maysville ($39,013 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,008
Property tax
$101
Home insurance
$63
FHA mortgage insurance (MIP)
$67
You need at least $5,303 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 $1,239; principal and interest $1,008.
The city and its county
Maysville and Mason County
Maysville is in Mason 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).
Maysville
Map of Mason County, Kentucky, with Maysville marked. Around it, the neighboring counties.
Maysville
Mason County
Maysville's own numbers
Typical home value
$151,500
Typical monthly rent
$699
Typical yearly household income
$39,013
Households that own their home
52%
Effective property tax rate
0.8%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Mason County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,001
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
1.6%
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 Mason County.
A typical home in Maysville is worth $151,500: 6% below the county and 26% below Kentucky. With the typical household income in Maysville ($39,013 a year), a typical home costs 3.9 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.
Maysville3.9 years
Mason3.1 years
Kentucky3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Mason County
According to FHFA’s house price index, home prices in Mason County rose 75% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Mason County.
Yearly change in FHFA’s price index in Mason County, 2016 to 2025
2016: +8.0% +8.0% 2016
2017: −1.5% −1.5% 2017
2018: +8.4% +8.4% 2018
2019: +0.1% +0.1% 2019
2020: +2.4% +2.4% 2020
2021: +12.8% +12.8% 2021
2022: +8.7% +8.7% 2022
2023: +11.7% +11.7% 2023
2024: +5.6% +5.6% 2024
2025: +2.6% +2.6% 2025
Change in FHFA’s price index in Mason County, Kentucky and the United States
Period
County
Kentucky
U.S.
Last year (2025)
+2.6%
+3.9%
+2.9%
5 years (2020–2025)
+48%
+50%
+47%
10 years (2015–2025)
+75%
+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
Maysville next to Mason 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
Maysville$151,500
Mason$161,500
Kentucky$205,600
United States$332,700
Typical monthly rent
Maysville$699
Mason$727
Kentucky$967
United States$1,413
Typical yearly household income
Maysville$39,013
Mason$52,178
Kentucky$63,726
United States$80,734
See the full table
Maysville next to Mason County and Kentucky
Measure
Maysville
Mason County
Kentucky
U.S.
Typical home value
$151,500 ▼6% below the county
$161,500
$205,600
$332,700
Typical monthly rent
$699 ▼4% below the county
$727
$967
$1,413
Typical yearly household income
$39,013 ▼25% below the county
$52,178
$63,726
$80,734
Households that own their home
52% ▼14 points below the county
66%
68%
65%
Typical yearly property tax
$1,218 ▲15% above the county
$1,055
$1,544
$3,119
Effective property tax rate
0.8% ▲0.15 points above the county
0.65%
0.75%
0.94%
Renters with high rent for their income
43% ▲2 points above the county
42%
45%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Mason 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 Maysville
For a typical $151,500 home in Maysville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Maysville's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,239a month
Least cash to close
Down payment
$5,303
Cash to close
$9,848
Rate
7.18%
Mortgage insurance
FHA MIP · $67
Conventional, 5% down$1,211a month
Down payment
$7,575
Cash to close
$12,120
Rate
7.18%
Mortgage insurance
PMI · $72
Conventional, 20% down, no PMI$985a month
Down payment
$30,300
Cash to close
$34,845
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,125a month
Down payment
$22,725
Cash to close
$27,270
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Maysville
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,239
$5,303
$148,756
7.18%
FHA MIP · $67
$9,848
580
Conventional, 5% down
$1,211
$7,575
$143,925
7.18%
PMI · $72
$12,120
620*
Conventional, 20% down, no PMI
$985
$30,300
$121,200
7.18%
None
$34,845
620*
ITIN, 15% down (example)
$1,125
$22,725
$128,775
8.18%
None
$27,270
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 Maysville is $699 a month: 4% below the county. In Maysville, 43% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Mason County, by unit size. To pay the 2-bedroom one ($1,001 a month) without spending more than 30% of your income, you would need to earn $19.25 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 Mason County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$715
$13.75
$28,600
1 bedroom
$797
$15.33
$31,880
2 bedrooms
$1,001
$19.25
$40,040
3 bedrooms
$1,196
$23.00
$47,840
4 bedrooms
$1,477
$28.40
$59,080
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 Maysville
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Maysville is in ZIP code 41056.
For 2 bedrooms it is $990: $11 less than the fair market rent for Mason County ($1,001).
Fair market rent by ZIP code and size in Maysville, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
41056
$710
$790
$990
$1,180
$1,460
ZIP code2 bd3 bd
41056 $990$1,180
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Maysville 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 7 buildings with rents for lower incomes in Maysville. These are the largest.
Beechwood Manor600 Central Ave, Maysville 41056260 low-income homes · Run by Housing Authority of Maysville · Average payment: $316 a month · Average wait: 10 months(606) 564-4409
Menemsha TownhomesHollan Circle, Maysville 4105632 low-income homes · 1 bd: 8 · 2 bd: 4 · 3 bd: 20 · In service since 2013 · For families
ST Paul Trinity Community665 Kenton Station Rd, Maysville 4105632 low-income homes · For older adults(606) 759-5130
Stoneleigh Apartments121 W 3rd St, Maysville 4105631 homes, 30 low-income · For people with disabilities(606) 564-5761
Woodleigh HomesForest Avenue, Maysville 4105630 low-income homes · 1 bd: 22 · 2 bd: 8 · In service since 2014 · For families
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 Mason 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 Maysville or Mason County. The ones below are statewide in Kentucky: they work in Maysville 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 Maysville or Mason 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 Maysville and all of Mason 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 Maysville?
The typical home value in Maysville is $151,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Mason County it is $161,500.
How much does it cost to rent in Maysville?
Typical rent in Maysville is $699 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Mason County is $1,001.
What is the FHA loan limit in Maysville?
Maysville uses the FHA limit for all of Mason 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 Maysville?
The typical homeowner in Maysville pays $1,218 a year, according to the U.S. Census Bureau. That is 0.8% of the home’s value; in Mason County, the rate is 0.65%.
Where can I find free help to buy or rent in Maysville?
We found no HUD-approved counseling agencies with an office in Mason County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
