Mortgage Rates in Crestview Hills, Kentucky — March 2026
Updated March 2026 | Based on Crestview Hills market data and regional lending conditions
Crestview Hills is a smaller Kentucky community of 27,492 where home prices remain well below the national median, making homeownership more attainable. The current 30-year fixed rate here is 6.6% (0.05% below the national average). At a median home price of $180,000, the estimated $1,075/month payment (with 20% down) is affordable on the local median income of $47,000.
Current Mortgage Rates in Crestview Hills, KY
Below are the current average mortgage rates available in the Crestview Hills area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.6% | 6.65% | -0.05% |
| 15-Year Fixed | 5.87% | 5.89% | -0.02% |
| 5/1 ARM | 6.16% | 6.15% | +0.01% |
| FHA | 6.43% | 6.25% | +0.18% |
| VA | 6.18% | 6.05% | +0.13% |
| Jumbo | 6.85% | 6.85% | 0% |
Crestview Hills Housing Market Overview
At $180,000, Crestview Hills offers more affordable housing than most U.S. metros. The local cost of living index is 84 (100 = national average), and the median household income of $47,000 provides comfortable purchasing power in this market.
Monthly Payment Breakdown for Crestview Hills
Based on the median home price of $180,000 with 20% down ($36,000), here is what you can expect to pay monthly in Crestview Hills:
15-Year vs. 30-Year Mortgage in Crestview Hills
Choosing a 15-year mortgage in Crestview Hills at 5.87% instead of a 30-year at 6.6% would save you $114,300 in total interest over the life of the loan. However, your monthly payment would be $1,205 instead of $920 — an increase of $285 per month.
Calculate Your Crestview Hills Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Crestview Hills
What are the current mortgage rates in Crestview Hills, KY?
As of March 2026, the average 30-year fixed mortgage rate in Crestview Hills, Kentucky is 6.6%, while the 15-year fixed rate is 5.87%. FHA loans average 6.43% and VA loans 6.18%. These rates are 0.05% below the national average of 6.65%.
How much is a monthly mortgage payment in Crestview Hills?
Based on the median home price of $180,000 with 20% down, the estimated monthly mortgage payment in Crestview Hills is $920 for principal and interest. Including property taxes of $155/month, the total monthly housing cost is approximately $1,075.
What income do I need to buy a home in Crestview Hills?
Using the 28% rule, you would need an annual income of approximately $46,071 to afford the median-priced home in Crestview Hills at $180,000. The median household income in Crestview Hills is $47,000. The median income is currently sufficient to meet this threshold.
Is Crestview Hills a good place to buy a home in 2026?
Crestview Hills offers a below-average cost of living with a cost of living index of 84 (national average = 100). The property tax rate in Kentucky is 1.03%, which is near the national average. Crestview Hills has a population of 27,492 and offers a very affordable lifestyle.
Mortgage Rates in Other Kentucky Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Crestview Hills, Kentucky area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.