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City · 6,057 residents · Jessamine County, Kentucky

Wilmore , Kentucky

In Wilmore, a typical home is worth $248,900 and typical rent is $975 a month. Compared with all of Jessamine County, typical rent is 13% lower, the typical home value is 7% lower, and the share of households that own their home is 16 points lower.

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  • Typical home value

    $248,900

    7% below the county

    21% above Kentucky

    • Wilmore
    • Jessamine
    • Kentucky

  • Typical rent

    $975a month

    13% below the county

    About the same as Kentucky

    • Wilmore
    • Jessamine
    • Kentucky

  • Typical household income

    $77,665a year

    4% above the county

    22% above Kentucky

    • Wilmore
    • Jessamine
    • Kentucky

  • Households that own their home

    51%

    16 points below the county

    18 points below Kentucky

    • Wilmore
    • Jessamine
    • Kentucky

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

Market now, with Zillow data

Zillow data
Typical home value
$322,082
2% more than 12 months ago

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

Wilmore is in Jessamine 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 Jessamine County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Wilmore apart

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

  1. Nearby, in Harrodsburg, the typical home value is $154,200: 38% less than in Wilmore ($248,900).

  2. 51% of households in Wilmore own their home, against 67% in Jessamine County.

  3. Nearby, in Danville, the typical rent is $762: 22% less than in Wilmore ($975).

  4. Wilmore has the 6th smallest share of rent-burdened renters of the 76 cities in Kentucky with more than 5,000 people (30%).

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

The homes here

Housing in Wilmore

What homes there are in Wilmore, 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 Wilmore, 6 in 10 homes are single-family detached houses; in Jessamine County, 7.

Year built

In Wilmore, half of the homes were built before 1989; in Jessamine County, before 1992.

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

$1,497 a month

Jessamine County: $1,545 a month

Without a mortgage

$557 a month

Jessamine County: $576 a month

Owners with a mortgage

68%

Jessamine County: 62%

In Wilmore, 68% of owners have a mortgage; their typical cost is $1,497 a month, about the same as in Jessamine 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 Wilmore rose 46% since 2015–2019, less than in Jessamine County (56%).

Since 2015–2019, the typical rent in Wilmore rose 36%, less than in Jessamine County (43%).

Income in Wilmore grew faster than housing: it rose 53%, while home values changed +46% and rent +36%.

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

MeasureWilmoreJessamine 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 estimate2.2%2.0%3.4%
People per household 2.812.672.432.53
Drive alone 57%76%77%69%
Carpool Unreliable estimate10%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 12%2%2%3%
Work from home 11%11%10%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.81 on average, against 2.67 in Jessamine County.

More people walk or bike to work in Wilmore: 12%, against 2% in Jessamine County.

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 Wilmore?

A typical home is tight for the typical income

We start with a typical home in Wilmore, worth $248,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Wilmore, which is $77,665 a year. For that payment to be 28% of income, a household would need to earn about $86,961 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Wilmore. 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 $8,712 (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

$2,029

at 7.18% · 30 years

Loan amount
$244,391
Total interest
$351,622
Paid off in
November 2056

Includes $4,203 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,812 a month

  • Tight

    $1,812 to $2,330 a month

    Your payment · 31%

  • Hard

    more than $2,330 a month

Compared with the typical household income in Wilmore ($77,665 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,029
Principal & interest$1,656
Property tax$160
Home insurance$104
FHA mortgage insurance (MIP)$110

You need at least $8,712 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

Wilmore and Jessamine County

Wilmore is in Jessamine 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).

Wilmore's own numbers

Typical home value
$248,900
Typical monthly rent
$975
Typical yearly household income
$77,665
Households that own their home
51%
Effective property tax rate
0.77%

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

Numbers for all of Jessamine County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,416
Price change over 5 years (FHFA)
+57%
Homes in a high flood-risk zone
1.4%

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 Jessamine County.

Everything about Jessamine County

Buying

Buying a home in Wilmore

A typical home in Wilmore is worth $248,900: 7% below the county and 21% above Kentucky. With the typical household income in Wilmore ($77,665 a year), a typical home costs 3.2 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.

  • Wilmore 3.2 years
  • Jessamine 3.6 years
  • Kentucky 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Jessamine County

According to FHFA’s house price index, home prices in Jessamine County rose 91% in the 10 years through 2025.

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

Period County Kentucky U.S.
Last year (2025) +3.3% +3.9% +2.9%
5 years (2020–2025) +57% +50% +47%
10 years (2015–2025) +91% +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

Wilmore next to Jessamine 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
  • Wilmore $248,900
  • Jessamine $268,100
  • Kentucky $205,600
  • United States $332,700
Typical monthly rent
  • Wilmore $975
  • Jessamine $1,124
  • Kentucky $967
  • United States $1,413
Typical yearly household income
  • Wilmore $77,665
  • Jessamine $74,576
  • Kentucky $63,726
  • United States $80,734
See the full table
Wilmore next to Jessamine County and Kentucky
Measure Wilmore Jessamine County Kentucky U.S.
Typical home value $248,900 $268,100 $205,600 $332,700
Typical monthly rent $975 $1,124 $967 $1,413
Typical yearly household income $77,665 $74,576 $63,726 $80,734
Households that own their home 51% 67% 68% 65%
Typical yearly property tax $1,921 $1,960 $1,544 $3,119
Effective property tax rate 0.77% 0.73% 0.75% 0.94%
Renters with high rent for their income 30% 41% 45% 51%

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

For a typical $248,900 home in Wilmore, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Wilmore's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,029a month

    Least cash to close
    Down payment
    $8,712
    Cash to close
    $16,179
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $110

  • Conventional, 5% down $1,983a month

    Down payment
    $12,445
    Cash to close
    $19,912
    Rate
    7.18%
    Mortgage insurance
    PMI · $118

  • Conventional, 20% down, no PMI $1,612a month

    Down payment
    $49,780
    Cash to close
    $57,247
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,842a month

    Down payment
    $37,335
    Cash to close
    $44,802
    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 Wilmore and for Jessamine County.

Property tax

Effective rate in Wilmore

0.77%of the home’s value each year

$1,921 a year for the typical owner in Wilmore.

  • Wilmore 0.77%
  • Jessamine 0.73%
  • 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 Jessamine County

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

Homes in the high-risk zone
1.4%
242
Of those, with NFIP insurance
31%
County Kentucky U.S.
Homes in the high-risk zone 1.4% 3.5% 3.5%
Of those, with NFIP insurance 31% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Wilmore

Typical rent in Wilmore is $975 a month: 13% below the county. In Wilmore, 30% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Jessamine County, by unit size. To pay the 2-bedroom one ($1,416 a month) without spending more than 30% of your income, you would need to earn $27.23 an hour working full time.

HUD fair market rent for all of Jessamine 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 $986 $18.96 $39,440
1 bedroom $1,205 $23.17 $48,200
2 bedrooms $1,416 $27.23 $56,640
3 bedrooms $1,948 $37.46 $77,920
4 bedrooms $2,108 $40.54 $84,320

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 Wilmore

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Wilmore has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,150 in 40390 to $1,360 in 40356.

None is above the fair market rent for Jessamine County ($1,416).

  • 40356 $1,360$1,870
  • 40390 $1,150$1,570

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Wilmore 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 Wilmore

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

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Wilmore

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

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

  • Reach, Inc.

    733 Red Mile Rd, Lexington · 14 miles away · Spanish

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

  • Apprisen - Lexington

    3499 Blazer Pkwy, Lexington · 15 miles away

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

  • Community Ventures Corporation

    1450 N Broadway, Lexington · 17 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (859) 231-0054

All counseling agencies in Kentucky

Help in Spanish near Wilmore

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 Wilmore

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

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

Cities

Other cities in Jessamine County

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

Everything about Jessamine County Housing in Kentucky

Nearby cities

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

Neighboring counties

If Jessamine 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 Wilmore.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Wilmore

Short answers with the numbers for Wilmore and all of Jessamine 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 Wilmore?

The typical home value in Wilmore is $248,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jessamine County it is $268,100.

How much does it cost to rent in Wilmore?

Typical rent in Wilmore is $975 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jessamine County is $1,416.

What is the FHA loan limit in Wilmore?

Wilmore uses the FHA limit for all of Jessamine 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 Wilmore?

The typical homeowner in Wilmore pays $1,921 a year, according to the U.S. Census Bureau. That is 0.77% of the home’s value; in Jessamine County, the rate is 0.73%.

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

We found no HUD-approved counseling agencies with an office in Jessamine 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).