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City · 5,270 residents · Whitley County, Kentucky

Williamsburg , Kentucky

In Williamsburg, typical rent is $793 a month. Compared with all of Whitley County, typical household income is 14% lower and the share of households that own their home is 31 points lower.

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  • Typical rent

    $793a month

    About the same as the county

    18% below Kentucky

    • Williamsburg
    • Whitley
    • Kentucky

  • Typical household income

    $38,147a year

    14% below the county

    40% below Kentucky

    • Williamsburg
    • Whitley
    • Kentucky

  • Households that own their home

    36%

    31 points below the county

    32 points below Kentucky

    • Williamsburg
    • Whitley
    • Kentucky

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

Market now, with Zillow data

Zillow data
Typical home value
$116,680
14.4% less than 12 months ago

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

Williamsburg is in Whitley 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 Whitley County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Williamsburg apart

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

  1. 36% of households in Williamsburg own their home, against 67% in Whitley County.

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Williamsburg fell 14.4%; in Kentucky, it barely changed.

  3. Williamsburg has the 4th lowest typical household income of the 85 cities in Kentucky with more than 5,000 people ($38,147).

  4. Nearby, in Middlesborough, the typical rent is $598: 25% less than in Williamsburg ($793).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Williamsburg

What homes there are in Williamsburg, 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

Homes in Williamsburg are varied: detached houses are the largest group, at 47%, against 64% in Whitley County.

Year built

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

Without a mortgage

$327 a month

Whitley County: $346 a month

Owners with a mortgage

28%

Whitley County: 45%

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 rent in Williamsburg rose 36% over the same time; in Whitley County, it rose 32%.

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

MeasureWilliamsburgWhitley 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 estimate3.3%2.0%3.4%
People per household 2.442.602.432.53
Drive alone 65%73%77%69%
Carpool 14%14%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 11%3%2%3%
Work from home Unreliable estimate10%10%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.44 on average, against 2.60 in Whitley County.

Many here get to work on foot or by bike: 11%, more than in Whitley County (3%).

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 Williamsburg?

The Census Bureau publishes no typical home value or typical household income for Williamsburg, so we don't measure how heavy the payment is. Enter your own numbers in the calculator. The Census Bureau publishes no typical home value for Williamsburg, so the calculator starts with the one for Whitley County: $131,800. The rate is Freddie Mac’s weekly average (7.18%, November 5, 2026); yours may be different. The FHA and conventional loan limits are those of all of Whitley County. Change the price, the down payment or the loan type and see how your payment changes.

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

Your numbers

Local data
$

Starts at the typical home value in Williamsburg. 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 $4,613 (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

$1,060

at 7.18% · 30 years

Loan amount
$129,413
Total interest
$186,195
Paid off in
November 2056

Includes $2,226 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $890 a month

  • Tight

    $890 to $1,144 a month

    Your payment · 33%

  • Hard

    more than $1,144 a month

Compared with the typical household income in Williamsburg ($38,147 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,060
Principal & interest$877
Property tax$70
Home insurance$55
FHA mortgage insurance (MIP)$58

You need at least $4,613 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

Williamsburg and Whitley County

Williamsburg is in Whitley 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).

Williamsburg's own numbers

Typical monthly rent
$793
Typical yearly household income
$38,147
Households that own their home
36%

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

Numbers for all of Whitley 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)
+50%
Homes in a high flood-risk zone
3.5%

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 Whitley County.

Everything about Whitley County

Buying

Buying a home in Williamsburg

The Census Bureau publishes no typical home value for Williamsburg. Below are the numbers for Whitley County.

How prices have changed in Whitley County

According to FHFA’s house price index, home prices in Whitley County rose 75% in the 10 years through 2025.

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

Period County Kentucky U.S.
Last year (2025) +3.1% +3.9% +2.9%
5 years (2020–2025) +50% +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

Williamsburg next to Whitley County, Kentucky and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical monthly rent
  • Williamsburg $793
  • Whitley $798
  • Kentucky $967
  • United States $1,413
Typical yearly household income
  • Williamsburg $38,147
  • Whitley $44,615
  • Kentucky $63,726
  • United States $80,734
See the full table
Williamsburg next to Whitley County and Kentucky
Measure Williamsburg Whitley County Kentucky U.S.
Typical monthly rent $793 $798 $967 $1,413
Typical yearly household income $38,147 $44,615 $63,726 $80,734
Households that own their home 36% 67% 68% 65%
Typical yearly property tax $1,021 $849 $1,544 $3,119
Renters with high rent for their income 45% 46% 45% 51%

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

The Census Bureau publishes no typical home value for Williamsburg, so we don't build this table. You can enter the price you're looking for in the calculator above.

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 Williamsburg and for Whitley County.

Property tax

Data not available for this place

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 Whitley County

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

Homes in the high-risk zone
3.5%
498
Of those, with NFIP insurance
7%
County Kentucky U.S.
Homes in the high-risk zone 3.5% 3.5% 3.5%
Of those, with NFIP insurance 7% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Williamsburg

Typical rent in Williamsburg is $793 a month: about the same as the county. In Williamsburg, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Whitley 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.

HUD fair market rent for all of Whitley 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 $690 $13.27 $27,600
1 bedroom $695 $13.37 $27,800
2 bedrooms $909 $17.48 $36,360
3 bedrooms $1,129 $21.71 $45,160
4 bedrooms $1,298 $24.96 $51,920

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 Williamsburg

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Williamsburg is in ZIP code 40769.

For 2 bedrooms it is $940: $31 more than the fair market rent for Whitley County ($909).

  • 40769 $940$1,160

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

Low-income apartments

Low-income apartments in Williamsburg

HUD lists 4 buildings with rents for lower incomes in Williamsburg. These are the largest.

  • Brush Arbor 401 Cumberland Ave, Williamsburg 40769 243 homes, 237 low-income · Run by Housing Authority of Williamsburg · Average payment: $296 a month · Average wait: 7 months (606) 549-0282
  • MT Morgan Apts 564 Brush Arbor Rd, Williamsburg 40769 48 low-income homes · For families (606) 549-4963
  • Williamsburg Greens Apartments Jeffries Court, Williamsburg 40769 32 low-income homes · 1 bd: 16 · 2 bd: 16 · In service since 2011 · For families
  • Oak Ridge Apartments E Oak Ridge Street, Williamsburg 40769 24 low-income homes · 1 bd: 24 · In service since 2013 · For older adults

See all 18 buildings in Whitley County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Williamsburg

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 Whitley County. The nearest ones are below; many serve by phone or online.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Williamsburg

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

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

  • Kceoc Community Action Partnership, Inc.

    5448 N US Highway 25E, Gray · 18 miles away

    • Budget and financial counseling
    • Home improvement and repairs
    • and 6 more
    (606) 546-3152

  • Apprisen - Lexington

    3499 Blazer Pkwy, Lexington · 88 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (800) 355-2227

  • Reach, Inc.

    733 Red Mile Rd, Lexington · 92 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (859) 455-8057

All counseling agencies in Kentucky

Help in Spanish near Williamsburg

1 of the 3 agencies on this list says it serves 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 Williamsburg

HUD’s record names them for Williamsburg or Whitley County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

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

Cities

Other cities in Whitley County

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

Everything about Whitley County Housing in Kentucky

Nearby cities

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

Neighboring counties

If Whitley 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 Williamsburg.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Williamsburg

Short answers with the numbers for Williamsburg and all of Whitley County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does it cost to rent in Williamsburg?

Typical rent in Williamsburg is $793 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Whitley County is $909.

What is the FHA loan limit in Williamsburg?

Williamsburg uses the FHA limit for all of Whitley 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 Williamsburg?

The typical homeowner in Williamsburg pays $1,021 a year, according to the U.S. Census Bureau. That is Data not available for this place of the home’s value; in Whitley County, the rate is 0.64%.

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

We found no HUD-approved counseling agencies with an office in Whitley County; the nearest ones are on this page. 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).