Scott County, Kentucky: What It Costs to Buy a Home
The median home in Scott County is worth $264,200, property taxes on it run about $1,800 a year (0.68%), the FHA loan limit is $541,287, and closing on it means about $265 in transfer tax plus $1,294 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $264,200 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $1,800 a year, 0.68% 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 | $265 | Kentucky transfer tax page → |
| Title insurance on the median home | $1,094 owner's + $200 lender's | Title insurance page → |
| Closing costs from these items | $1,559 | Closing costs page → |
| Area median income (HUD, family of 4) | $102,100; low-income limit $81,700 | Income limits page → |
Frequently asked questions
How much do homes cost in Scott County?
The median owner-occupied home in Scott County is valued at $264,200, 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 Scott County?
The median Scott County homeowner pays $1,800 a year in real estate taxes, about 0.68% of the median home value ($1,931 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Scott 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 Scott County?
On the $264,200 median home: transfer tax $265, title insurance $1,294 for both policies, about $1,559 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Scott County?
HUD's FY 2026 median family income for Scott County (Lexington-Fayette, KY MSA) is $102,100. A family of four counts as low income below $81,700 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
- Rockcastle County $119,300
- Rowan County $155,900
- Russell County $148,200
- Shelby County $277,500
- Simpson County $195,700
- Spencer County $297,600
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.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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