Boyd County, Kentucky: What It Costs to Buy a Home
The median home in Boyd County is worth $126,300, property taxes on it run about $1,233 a year (0.98%), the FHA loan limit is $541,287, and closing on it means about $127 in transfer tax plus $797 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $126,300 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $1,233 a year, 0.98% of value | Property tax page → |
| FHA loan limit (1 unit) | $541,287 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax on the median home | $127 | Kentucky transfer tax page → |
| Title insurance on the median home | $597 owner's + $200 lender's | Title insurance page → |
| Closing costs from these items | $924 | Closing costs page → |
| Area median income (HUD, family of 4) | $83,300; low-income limit $66,650 | Income limits page → |
Frequently asked questions
How much do homes cost in Boyd County?
The median owner-occupied home in Boyd County is valued at $126,300, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Boyd County?
The median Boyd County homeowner pays $1,233 a year in real estate taxes, about 0.98% of the median home value ($1,384 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Boyd County?
$541,287 for a one-unit home in 2026 (the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $832,750, per FHFA.
What does it cost to close on a home in Boyd County?
On the $126,300 median home: transfer tax $127, title insurance $797 for both policies, about $924 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Boyd County?
HUD's FY 2026 median family income for Boyd County (Huntington-Ashland, WV-KY-OH HUD Metro FMR Area) is $83,300. A family of four counts as low income below $66,650 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby Kentucky counties
- Bell County $83,000
- Boone County $253,200
- Bourbon County $211,600
- Boyle County $200,700
- Bracken County $116,400
- Breathitt County $61,800
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
Every Kentucky county → Kentucky closing costs →
General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
Counties in every state