Español

Este sitio también está en español. Leer en español

City · 7,962 residents · Christian County, Kentucky

Oak Grove , Kentucky

In Oak Grove, a typical home is worth $148,700 and typical rent is $1,197 a month. Compared with all of Christian County, typical rent is 15% higher, the typical home value is 14% lower, and the share of households that own their home is 10 points lower.

WhatsApp

  • Typical home value

    $148,700

    14% below the county

    28% below Kentucky

    • Oak Grove
    • Christian
    • Kentucky

  • Typical rent

    $1,197a month

    15% above the county

    24% above Kentucky

    • Oak Grove
    • Christian
    • Kentucky

  • Typical household income

    $49,354a year

    11% below the county

    23% below Kentucky

    • Oak Grove
    • Christian
    • Kentucky

  • Households that own their home

    40%

    10 points below the county

    29 points below Kentucky

    • Oak Grove
    • Christian
    • Kentucky

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

Market now, with Zillow data

Zillow data
Typical home value
$208,501
1.1% less than 12 months ago
Typical rent
$1,239 a month
4.2% more than 12 months ago

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

Oak Grove 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 Oak Grove apart

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

  1. Nearby, in Central City, the typical rent is $683: 43% less than in Oak Grove ($1,197).

  2. Nearby, in Princeton, the typical home value is $96,600: 35% less than in Oak Grove ($148,700).

  3. Oak Grove has the 5th lowest homeownership rate of the 84 cities in Kentucky with more than 5,000 people (40%).

  4. The typical rent in Oak Grove is $1,197 a month, 15% more than in Christian County as a whole ($1,040).

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

The homes here

Housing in Oak Grove

What homes there are in Oak Grove, 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

The detached house rules in Oak Grove: 68% of homes, more than in Christian County (64%).

In Oak Grove there are many mobile homes: 15% of homes; in Christian County, 8%.

Year built

The typical home in Oak Grove was built in 1998, 15 years after the typical one in Christian County.

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
Monthly rent with utilities

With a mortgage

$1,327 a month

Christian County: $1,330 a month

Without a mortgage

$433 a month

Christian County: $429 a month

Owners with a mortgage

86%

Christian County: 56%

In Oak Grove, 86% of owners have a mortgage; their typical cost is $1,327 a month, about the same as in Christian County.

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 Oak Grove rose 33% since 2015–2019, less than in Christian County (48%).

The typical rent in Oak Grove rose 29% over the same time; in Christian County, it rose 22%.

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

MeasureOak GroveChristian 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 2.592.622.432.53
Drive alone 75%75%77%69%
Carpool 18%11%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate8%2%3%
Work from home Unreliable estimate5%10%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

A household in Oak Grove has 2.59 people on average, about the same as in Christian County (2.62).

In Oak Grove, 18% of workers share a car to get to work; in Christian County, 11%.

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 Oak Grove?

A typical home is tight for the typical income

We start with a typical home in Oak Grove, worth $148,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Oak Grove, which is $49,354 a year. For that payment to be 28% of income, a household would need to earn about $51,316 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 Oak Grove. 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 $5,205 (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

$1,197

at 7.18% · 30 years

Loan amount
$146,006
Total interest
$210,069
Paid off in
November 2056

Includes $2,511 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,152 a month

  • Tight

    $1,152 to $1,481 a month

    Your payment · 29%

  • Hard

    more than $1,481 a month

Compared with the typical household income in Oak Grove ($49,354 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,197
Principal & interest$989
Property tax$81
Home insurance$62
FHA mortgage insurance (MIP)$66

You need at least $5,205 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

Oak Grove and Christian County

Oak Grove 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).

Oak Grove's own numbers

Typical home value
$148,700
Typical monthly rent
$1,197
Typical yearly household income
$49,354
Households that own their home
40%
Effective property tax rate
0.65%

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 Oak Grove

A typical home in Oak Grove is worth $148,700: 14% below the county and 28% below Kentucky. With the typical household income in Oak Grove ($49,354 a year), a typical home costs 3.0 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.

  • Oak Grove 3.0 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

Oak Grove 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
  • Oak Grove $148,700
  • Christian $173,600
  • Kentucky $205,600
  • United States $332,700
Typical monthly rent
  • Oak Grove $1,197
  • Christian $1,040
  • Kentucky $967
  • United States $1,413
Typical yearly household income
  • Oak Grove $49,354
  • Christian $55,494
  • Kentucky $63,726
  • United States $80,734
See the full table
Oak Grove next to Christian County and Kentucky
Measure Oak Grove Christian County Kentucky U.S.
Typical home value $148,700 $173,600 $205,600 $332,700
Typical monthly rent $1,197 $1,040 $967 $1,413
Typical yearly household income $49,354 $55,494 $63,726 $80,734
Households that own their home 40% 50% 68% 65%
Typical yearly property tax $963 $1,126 $1,544 $3,119
Effective property tax rate 0.65% 0.65% 0.75% 0.94%
Renters with high rent for their income 51% 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 Oak Grove

For a typical $148,700 home in Oak Grove, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Oak Grove's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,197a month

    Least cash to close
    Down payment
    $5,205
    Cash to close
    $9,666
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $66

  • Conventional, 5% down $1,170a month

    Down payment
    $7,435
    Cash to close
    $11,896
    Rate
    7.18%
    Mortgage insurance
    PMI · $71

  • Conventional, 20% down, no PMI $948a month

    Down payment
    $29,740
    Cash to close
    $34,201
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,086a month

    Down payment
    $22,305
    Cash to close
    $26,766
    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 Oak Grove and for Christian County.

Property tax

Effective rate in Oak Grove

0.65%of the home’s value each year

$963 a year for the typical owner in Oak Grove.

  • Oak Grove 0.65%
  • 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 Oak Grove

Typical rent in Oak Grove is $1,197 a month: 15% above the county. In Oak Grove, 51% 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 Oak Grove

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Oak Grove is in ZIP code 42262.

For 2 bedrooms it is $1,310: $3 more than the fair market rent for Christian County ($1,307).

  • 42262 $1,310$1,790

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

Free help

Help to buy or rent in Oak Grove

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 young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Oak Grove

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

The HUD-approved agencies closest to the center of Oak Grove, 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 · 14 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 · 45 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 Oak Grove

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 Oak Grove

In HUD’s record, no housing authority with an office in Christian County is named for Oak Grove or Christian County.

One other authority has an office in Christian County: see the list 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 Oak Grove, 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 Oak Grove.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Oak Grove

Short answers with the numbers for Oak Grove 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 Oak Grove?

The typical home value in Oak Grove is $148,700, 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 Oak Grove?

Typical rent in Oak Grove is $1,197 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 Oak Grove?

Oak Grove 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 Oak Grove?

The typical homeowner in Oak Grove pays $963 a year, according to the U.S. Census Bureau. That is 0.65% of the home’s value; in Christian County, the rate is 0.65%.

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

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).