In Pikeville, a typical home is worth $263,800 and typical rent is $862 a month. Compared with all of Pike County, the typical home value is 136% higher, typical household income is 10% lower, and the share of households that own their home is 34 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $120,661 to $122,491.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Pikeville is in Pike 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 Pike County. See the county
What this place has that others do not, from public data, most unusual first.
1
41% of households in Pikeville own their home, against 75% in Pike County.
2
The typical home in Pikeville is worth $263,800,136% more than in Pike County as a whole ($112,000).
3
Nearby, in Flatwoods, the typical home value is $114,600: 57% less than in Pikeville ($263,800).
4
According to Zillow, in the 12 months to September 2026 the typical home value in Pikeville fell 8.5%; in Kentucky, it barely changed.
5
Nearby, in Mount Sterling, the typical rent is $699: 19% less than in Pikeville ($862).
6
Pikeville has the 6th lowest typical household income of the 85 cities in Kentucky with more than 5,000 people ($39,955).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Pikeville
What homes there are in Pikeville, 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
Pikeville
Pike County
Kentucky
United States
Kind of home: Pikeville and its comparisons
Measure
Pikeville
Pike County
Kentucky
United States
Detached house
48%
55%
68%
61%
Attached house
Unreliable estimate
1%
3%
6%
Building of 2 to 4
14%
4%
7%
8%
Apartments (5 or more)
31%
6%
12%
19%
Mobile home
Unreliable estimate
35%
11%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
No kind of home is the majority in Pikeville; the largest group, detached houses, adds up to 48%, less than in Pike County (55%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Pikeville
Pike County
Kentucky
United States
Year built: Pikeville and its comparisons
Measure
Pikeville
Pike County
Kentucky
United States
Before 1960
19%
14%
22%
26%
1960–1979
23%
27%
26%
24%
1980–1999
32%
37%
28%
25%
2000–2009
18%
13%
15%
14%
2010 or later
8%
10%
11%
11%
In Pikeville, half of the homes were built before 1983; in Pike County, before 1985.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K23%
$200K–$300K21%
$300K–$500K21%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Pikeville and its comparisons
Measure
Pikeville
Under $100K
Unreliable estimate
$100K–$200K
23%
$200K–$300K
21%
$300K–$500K
21%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50025%
$500–$99945%
$1,000–$1,49920%
HUD fair market rent, 2 bedrooms: $1,095
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Pikeville and its comparisons
Measure
Pikeville
Under $500
25%
$500–$999
45%
$1,000–$1,499
20%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
HUD's 2-bedroom fair market rent (FMR) for Pike County is $1,095; about 73% of rents in Pikeville are below it.
With a mortgage
$2,054 a month
Pike County: $1,278 a month
Without a mortgage
$568 a month
Pike County: $411 a month
Owners with a mortgage
57%
Pike County: 35%
Owning costs more in Pikeville: with a mortgage, the typical cost is $2,054 a month; in Pike County, $1,278. Without one, $568.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Pikeville+45%
Pike County+43%
Kentucky+46%
United States+53%
Typical rent
Pikeville+29%
Pike County+29%
Kentucky+27%
United States+33%
Typical household income
PikevilleNo clear change
Pike County+27%
Kentucky+26%
United States+29%
Change since 2015–2019: Pikeville and its comparisons
Measure
Pikeville
Pike County
Kentucky
United States
Typical home value
+45%
+43%
+46%
+53%
Typical rent
+29%
+29%
+27%
+33%
Typical household income
No clear change
+27%
+26%
+29%
Much as in Pike County, the typical home value in Pikeville rose 45% since 2015–2019.
The typical rent in Pikeville rose 29% since 2015–2019, about the same as in Pike County (29%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Pikeville and its comparisons
Measure
Pikeville
Pike 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
2.2%
2.0%
3.4%
People per household
1.99
2.28
2.43
2.53
Drive alone
63%
80%
77%
69%
Carpool
17%
12%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
8%
1%
2%
3%
Work from home
Unreliable estimate
6%
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: 1.99 on average, against 2.28 in Pike County.
In Pikeville, 8% of workers walk or bike to work; in Pike County, 1%.
Do the math
What would you pay each month for a home in Pikeville?
A typical home costs more than the typical income allows
We start with a typical home in Pikeville, worth $263,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 65% of the typical household income in Pikeville, which is $39,955 a year. For that payment to be 28% of income, a household would need to earn about $93,392 a year.
The calculator's FHA and conventional loan limits are those of all of Pike 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 Pikeville. 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 $9,233 (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
$2,179
at 7.18% · 30 years
Loan amount
$259,022
Total interest
$372,672
Paid off in
November 2056
Includes $4,455 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $932 a month
Tight
$932 to $1,199 a month
Hard
more than $1,199 a month
Your payment · 65%
Compared with the typical household income in Pikeville ($39,955 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,755
Property tax
$198
Home insurance
$110
FHA mortgage insurance (MIP)
$117
You need at least $9,233 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 $2,179; principal and interest $1,755.
The city and its county
Pikeville and Pike County
Pikeville is in Pike 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).
Pikeville
Map of Pike County, Kentucky, with Pikeville marked. Around it, the neighboring counties.
Pikeville
Pike County
Pikeville's own numbers
Typical home value
$263,800
Typical monthly rent
$862
Typical yearly household income
$39,955
Households that own their home
41%
Effective property tax rate
0.9%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Pike County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,095
Price change over 5 years (FHFA)
+27%
Homes in a high flood-risk zone
13%
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 Pike County.
A typical home in Pikeville is worth $263,800: 136% above the county and 28% above Kentucky. With the typical household income in Pikeville ($39,955 a year), a typical home costs 6.6 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.
Pikeville6.6 years
Pike2.5 years
Kentucky3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Pike County
According to FHFA’s house price index, home prices in Pike County rose 27% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Pike County.
Yearly change in FHFA’s price index in Pike County, 2016 to 2025
2016: −6.6% −6.6% 2016
2017: +1.4% +1.4% 2017
2018: +3.4% +3.4% 2018
2019: −1.7% −1.7% 2019
2020: +4.1% +4.1% 2020
2021: +5.0% +5.0% 2021
2022: +5.5% +5.5% 2022
2023: +7.6% +7.6% 2023
2024: +4.2% +4.2% 2024
2025: +2.0% +2.0% 2025
Change in FHFA’s price index in Pike County, Kentucky and the United States
Period
County
Kentucky
U.S.
Last year (2025)
+2.0%
+3.9%
+2.9%
5 years (2020–2025)
+27%
+50%
+47%
10 years (2015–2025)
+27%
+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
Pikeville next to Pike 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
Pikeville$263,800
Pike$112,000
Kentucky$205,600
United States$332,700
Typical monthly rent
Pikeville$862
Pike$858
Kentucky$967
United States$1,413
Typical yearly household income
Pikeville$39,955
Pike$44,312
Kentucky$63,726
United States$80,734
See the full table
Pikeville next to Pike County and Kentucky
Measure
Pikeville
Pike County
Kentucky
U.S.
Typical home value
$263,800 ▲136% above the county
$112,000
$205,600
$332,700
Typical monthly rent
$862
$858
$967
$1,413
Typical yearly household income
$39,955 ▼10% below the county
$44,312
$63,726
$80,734
Households that own their home
41% ▼34 points below the county
75%
68%
65%
Typical yearly property tax
$2,365 ▲206% above the county
$772
$1,544
$3,119
Effective property tax rate
0.9% ▲0.21 points above the county
0.69%
0.75%
0.94%
Renters with high rent for their income
53% ▲5 points above the county
48%
45%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Pike 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 Pikeville
For a typical $263,800 home in Pikeville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pikeville's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,179a month
Least cash to close
Down payment
$9,233
Cash to close
$17,147
Rate
7.18%
Mortgage insurance
FHA MIP · $117
Conventional, 5% down$2,131a month
Down payment
$13,190
Cash to close
$21,104
Rate
7.18%
Mortgage insurance
PMI · $125
Conventional, 20% down, no PMI$1,737a month
Down payment
$52,760
Cash to close
$60,674
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,981a month
Down payment
$39,570
Cash to close
$47,484
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Pikeville
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,179
$9,233
$259,022
7.18%
FHA MIP · $117
$17,147
580
Conventional, 5% down
$2,131
$13,190
$250,610
7.18%
PMI · $125
$21,104
620*
Conventional, 20% down, no PMI
$1,737
$52,760
$211,040
7.18%
None
$60,674
620*
ITIN, 15% down (example)
$1,981
$39,570
$224,230
8.18%
None
$47,484
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 Pikeville is $862 a month: about the same as the county. In Pikeville, 53% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Pike County, by unit size. To pay the 2-bedroom one ($1,095 a month) without spending more than 30% of your income, you would need to earn $21.06 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 Pike County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$763
$14.67
$30,520
1 bedroom
$837
$16.10
$33,480
2 bedrooms
$1,095
$21.06
$43,800
3 bedrooms
$1,305
$25.10
$52,200
4 bedrooms
$1,812
$34.85
$72,480
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 Pikeville
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pikeville is in ZIP code 41501.
For 2 bedrooms it is $1,140: $45 more than the fair market rent for Pike County ($1,095).
Fair market rent by ZIP code and size in Pikeville, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
41501
$790
$870
$1,140
$1,360
$1,890
ZIP code2 bd3 bd
41501 $1,140$1,360
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Pikeville 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 6 buildings with rents for lower incomes in Pikeville. These are the largest.
Fairview Court748 Hambley Blvd, Pikeville 41501336 low-income homes · Run by Housing Authority of Pikeville · Average payment: $343 a month · Average wait: 8 months(606) 432-8124
Carl D. Perkins Towers200 Douglas Pkwy, Pikeville 41501149 low-income homes · For older adults(606) 639-8280
Meadows of Central Appalachia - Fka Pikeville Scholar HouseSaad Avenue, Pikeville 4150148 low-income homes · 2 bd: 37 · 3 bd: 8 · In service since 2013 · For families
Kentucky Ave. Phase IIKentucky Ave., Pikeville 4150140 low-income homes · 2 bd: 24 · 3 bd: 16 · In service since 2003
Douglas/Elkhorn Apartments148 Douglas Pkwy, Pikeville 4150124 low-income homes · For older adults(606) 432-4178
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 Pike 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 Pikeville or Pike County. The ones below are statewide in Kentucky: they work in Pikeville 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 Pikeville or Pike 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 Pikeville and all of Pike 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 Pikeville?
The typical home value in Pikeville is $263,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Pike County it is $112,000.
How much does it cost to rent in Pikeville?
Typical rent in Pikeville is $862 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Pike County is $1,095.
What is the FHA loan limit in Pikeville?
Pikeville uses the FHA limit for all of Pike 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 Pikeville?
The typical homeowner in Pikeville pays $2,365 a year, according to the U.S. Census Bureau. That is 0.9% of the home’s value; in Pike County, the rate is 0.69%.
Where can I find free help to buy or rent in Pikeville?
We found no HUD-approved counseling agencies with an office in Pike County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
