Español

Este sitio también está en español. Leer en español

City · 5,277 residents · McCracken County, Kentucky

Reidland , Kentucky

In Reidland, a typical home is worth $228,000 and typical rent is $1,051 a month. Compared with all of McCracken County, typical household income is 54% higher, the typical home value is 21% higher, and the share of households that own their home is 15 points higher.

WhatsApp

  • Typical home value

    $228,000

    21% above the county

    11% above Kentucky

    • Reidland
    • McCracken
    • Kentucky

  • Typical rent

    $1,051a month

    17% above the county

    9% above Kentucky

    • Reidland
    • McCracken
    • Kentucky

  • Typical household income

    $99,423a year

    54% above the county

    56% above Kentucky

    • Reidland
    • McCracken
    • Kentucky

  • Households that own their home

    84%

    15 points above the county

    15 points above Kentucky

    • Reidland
    • McCracken
    • Kentucky

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

Reidland is in McCracken 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 McCracken County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Reidland 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: 58% less than in Reidland ($228,000).

  2. The typical household income in Reidland is $99,423, 54% more than in McCracken County as a whole ($64,373).

  3. Nearby, in Mayfield, the typical rent is $644: 39% less than in Reidland ($1,051).

  4. 84% of households in Reidland own their home, against 69% in McCracken County.

  5. The typical home in Reidland is worth $228,000, 21% more than in McCracken County as a whole ($188,100).

  6. The typical rent in Reidland is $1,051 a month, 17% more than in McCracken County as a whole ($898).

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

The homes here

Housing in Reidland

What homes there are in Reidland, 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 Reidland, 8 in 10 homes are single-family detached houses; in McCracken County, 7.

Year built

By age, homes in Reidland look like those in McCracken County: the typical year built is 1978.

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

$1,593 a month

McCracken County: $1,364 a month

Without a mortgage

$637 a month

McCracken County: $510 a month

Owners with a mortgage

62%

McCracken County: 52%

Owning costs more in Reidland: with a mortgage, the typical cost is $1,593 a month; in McCracken County, $1,364. Without one, $637.

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 Reidland rose 46% since 2015–2019, more than in McCracken County (31%).

Rents in Reidland rose faster than in McCracken County: 48% since 2015–2019, against 25%.

Here income gained ground: typical income rose 54%, against +46% for home values and +48% for rent.

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

MeasureReidlandMcCracken CountyKentuckyUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.6%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate2.1%2.0%3.4%
People per household 2.892.402.432.53
Drive alone 91%82%77%69%
Carpool Unreliable estimate6%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home Unreliable estimate8%10%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.89 on average, against 2.40 in McCracken County.

To get to work, 91% of workers in Reidland drive alone; in McCracken County, 82%.

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 Reidland?

A typical home is within reach of the typical income

We start with a typical home in Reidland, worth $228,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 22% of the typical household income in Reidland, which is $99,423 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Reidland. 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 $7,980 (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

$1,847

at 7.18% · 30 years

Loan amount
$223,870
Total interest
$322,097
Paid off in
November 2056

Includes $3,850 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,320 a month

    Your payment · 22%

  • Tight

    $2,320 to $2,983 a month

  • Hard

    more than $2,983 a month

Compared with the typical household income in Reidland ($99,423 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,847
Principal & interest$1,517
Property tax$135
Home insurance$95
FHA mortgage insurance (MIP)$101

You need at least $7,980 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

Reidland and McCracken County

Reidland is in McCracken 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).

Reidland's own numbers

Typical home value
$228,000
Typical monthly rent
$1,051
Typical yearly household income
$99,423
Households that own their home
84%
Effective property tax rate
0.71%

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

Numbers for all of McCracken County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,131
Price change over 5 years (FHFA)
+45%
Homes in a high flood-risk zone
2.1%

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 McCracken County.

Everything about McCracken County

Buying

Buying a home in Reidland

A typical home in Reidland is worth $228,000: 21% above the county and 11% above Kentucky. With the typical household income in Reidland ($99,423 a year), a typical home costs 2.3 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.

  • Reidland 2.3 years
  • McCracken 2.9 years
  • Kentucky 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in McCracken County

According to FHFA’s house price index, home prices in McCracken County rose 64% in the 10 years through 2025.

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

Period County Kentucky U.S.
Last year (2025) +3.7% +3.9% +2.9%
5 years (2020–2025) +45% +50% +47%
10 years (2015–2025) +64% +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

Reidland next to McCracken 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
  • Reidland $228,000
  • McCracken $188,100
  • Kentucky $205,600
  • United States $332,700
Typical monthly rent
  • Reidland $1,051
  • McCracken $898
  • Kentucky $967
  • United States $1,413
Typical yearly household income
  • Reidland $99,423
  • McCracken $64,373
  • Kentucky $63,726
  • United States $80,734
See the full table
Reidland next to McCracken County and Kentucky
Measure Reidland McCracken County Kentucky U.S.
Typical home value $228,000 $188,100 $205,600 $332,700
Typical monthly rent $1,051 $898 $967 $1,413
Typical yearly household income $99,423 $64,373 $63,726 $80,734
Households that own their home 84% 69% 68% 65%
Typical yearly property tax $1,609 $1,410 $1,544 $3,119
Effective property tax rate 0.71% 0.75% 0.75% 0.94%

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

For a typical $228,000 home in Reidland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Reidland's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,847a month

    Least cash to close
    Down payment
    $7,980
    Cash to close
    $14,820
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $101

  • Conventional, 5% down $1,806a month

    Down payment
    $11,400
    Cash to close
    $18,240
    Rate
    7.18%
    Mortgage insurance
    PMI · $108

  • Conventional, 20% down, no PMI $1,466a month

    Down payment
    $45,600
    Cash to close
    $52,440
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,676a month

    Down payment
    $34,200
    Cash to close
    $41,040
    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 Reidland and for McCracken County.

Property tax

Effective rate in Reidland

0.71%of the home’s value each year

$1,609 a year for the typical owner in Reidland.

  • Reidland 0.71%
  • McCracken 0.75%
  • 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 McCracken County

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

Homes in the high-risk zone
2.1%
569
Of those, with NFIP insurance
23%
County Kentucky U.S.
Homes in the high-risk zone 2.1% 3.5% 3.5%
Of those, with NFIP insurance 23% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Reidland

Typical rent in Reidland is $1,051 a month: 17% above the county.

HUD publishes a fair market rent for all of McCracken County, by unit size. To pay the 2-bedroom one ($1,131 a month) without spending more than 30% of your income, you would need to earn $21.75 an hour working full time.

HUD fair market rent for all of McCracken 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 $788 $15.15 $31,520
1 bedroom $924 $17.77 $36,960
2 bedrooms $1,131 $21.75 $45,240
3 bedrooms $1,348 $25.92 $53,920
4 bedrooms $1,616 $31.08 $64,640

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 Reidland

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Reidland is in ZIP code 42003.

For 2 bedrooms it is $960: $171 less than the fair market rent for McCracken County ($1,131).

  • 42003 $960$1,150

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

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 McCracken 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 Reidland

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

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

  • Kentucky Legal Aid, Incorporated

    216 Berger Rd, Paducah · 7 miles away · Spanish

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

  • Kentucky Legal Aid, Incorporated

    401 W 9th St Ste D, Hopkinsville · 58 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 · 61 miles away · Spanish

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

Every agency in McCracken County All counseling agencies in Kentucky

Help in Spanish near Reidland

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 Reidland

In HUD’s record, no housing authority with an office in McCracken County is named for Reidland or McCracken County.

One other authority has an office in McCracken County: see the list Source: HUD

Cities

Other cities in McCracken County

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

Everything about McCracken County Housing in Kentucky

Nearby cities

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

Neighboring counties

If McCracken 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 Reidland.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Reidland

Short answers with the numbers for Reidland and all of McCracken 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 Reidland?

The typical home value in Reidland is $228,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in McCracken County it is $188,100.

How much does it cost to rent in Reidland?

Typical rent in Reidland is $1,051 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in McCracken County is $1,131.

What is the FHA loan limit in Reidland?

Reidland uses the FHA limit for all of McCracken 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 Reidland?

The typical homeowner in Reidland pays $1,609 a year, according to the U.S. Census Bureau. That is 0.71% of the home’s value; in McCracken County, the rate is 0.75%.

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

There is 1 HUD-approved counseling agency with an office in McCracken 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).