Local
Learn about the people, housing, costs and businesses in Horse Cave, Kentucky
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Horse Cave.
True all-in cost — P&I, taxes, insurance & utilities for homes in Horse Cave.
Find and compare lenders active near Horse Cave.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Horse Cave.
Seismic risk and earthquake insurance estimates for Horse Cave.
Wildfire exposure and insurance estimates for Horse Cave.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Horse Cave is approximately 7.054% (7.099% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Horse CaveThe median home value in Horse Cave is $143k. The median monthly rent is $768. Annual property taxes average $879. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Horse Cave have increased 24.3% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $738/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $32k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Horse Cave is $42k/year.
Calculate your buying powerThe largest employment sectors in Horse Cave are retail (23%) and public administration (20%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.