WhereCanIAfford › Lexington, KY › On $425,000

Is Lexington, KY affordable on a $425,000 salary?

YES On $425,000/yr, the typical $329,050 home in Lexington, KY needs $98,854/yr ($2,307/mo). Your gap: +$326,146 — housing would be 6.5% of your gross income.

The math

329,050 price − 10% down (32,905) = 296,145 loan
30-yr fixed at 6.69% on 296,145 = 1,909/mo principal+interest
+ 398/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,307/mo PITI ÷ 0.28 = 8,238/mo → 98,854/yr required

against Zillow ZHVI 2026-06 and the 6.69% FRED 30-yr rate (2026-08-06).

What salary WOULD clear Lexington, KY?

You need about $98,854/yr for the typical home. On $425,000 you already clear it by $326,146.

On $400,000? On $450,000? On $475,000?

See the full Lexington, KY affordability breakdown → or every metro you can afford on $425,000 →