Madison County
KY · Pop. 94,064 · Mixed County
Madison County is a mixed rural-suburban county in Kentucky, spanning 438 square miles with 94,064 residents at a density of 214.8 people per square mile, a more developed setting where truly rural parcels are scarcer. The agricultural economy is rated moderate, built on hay, haylage, corn. The median home price is $221,000, with an effective property tax rate of 0.74%. The climate sits in USDA hardiness zone 7a with a 186-day growing season, average summer highs of 84.3°F and average winter lows of 24.2°F. Annual rainfall averages 45.1 inches, generally adequate for the region's crops and pasture. Baptist Health Richmond is 0.9 miles away and includes an emergency room. Broadband reaches 96% of homes. On the hazard side, flood risk is very high, tornado risk is very high, wildfire risk is high, so plan infrastructure and insurance accordingly.
Pros
- A long 186-day growing season in USDA zone 7a supports a wide range of crops and multiple plantings.
- A low effective property tax rate of 0.74% holds annual carrying costs down.
- Broadband reaches 96% of homes, making remote work and online farm sales realistic.
- Baptist Health Richmond, with an emergency room, is just 0.9 miles away — strong local healthcare access.
- Annual rainfall of 45.1 inches supports rain-fed gardens and pasture in most years.
Cons
- Tornado risk is very high, so a storm shelter and wind-resistant structures are practical necessities.
- Flood risk is very high, so careful parcel siting and flood insurance are essential.
- At 214.8 people per square mile, this is a developed area where finding truly rural acreage is harder and pricier.
At a glance
Madison County, KY is a solid homesteading option with some tradeoffs.
- Homestead score
- 65/100
- Median home price
- $221k
- Property tax
- 0.74%
- Growing season
- 186 days (zone 7a)
- Annual rainfall
- 45.1"
- Broadband
- 96%
- Nearest hospital
- Baptist Health Richmond, 0.9 mi
Taxes & Cost of Living
Land & Building
Climate & Growing
Natural Disaster Risk
Healthcare
Infrastructure & Community
Business & Employment
Homesteading in Madison County: FAQ
- What is the growing season like in Madison County?
- Madison County is in USDA hardiness zone 7a with a 186-day growing season, average summer highs of 84.3°F, and average winter lows of 24.2°F. The established crops are hay, haylage, corn.
- How affordable is land and property here?
- The median home price is $221,000 and the effective property tax rate is 0.74%. There's no published county per-acre figure, so use recent comparable sales to gauge raw-land value.
- Is broadband internet available?
- Broadband reaches 96% of homes, strong coverage that supports remote work for most parcels.
- How close is healthcare?
- Baptist Health Richmond is 0.9 miles away and includes an emergency room; there are 2 hospitals in the county.
Explore Kentucky Resources
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LandWatch
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Lands of America
The largest listing site for rural property — farms, ranches, hunting land, and timberland.
AcreTrader
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More counties in Kentucky
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The closest counties to Madison County by distance, including across state lines.
Data sources
Verified
Figures are sourced from public datasets: U.S. Census Bureau — ACS 5-year & Gazetteer, USDA NASS Census of Agriculture, USDA Plant Hardiness Zone Map, NOAA NCEI U.S. Climate Normals (1991–2020), FEMA National Risk Index, FCC Broadband Data Collection, BLS Local Area Unemployment Statistics, HIFLD Hospitals. Always confirm specifics locally before relying on them. See our methodology for how the homestead score is calculated.
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