Mortgage Rates in Georgetown, Kentucky — March 2026
Updated March 2026 | Based on Georgetown market data and regional lending conditions
Georgetown is a growing city in Kentucky with a population of 36,250. The current 30-year fixed mortgage rate in Georgetown is 6.79%, which is 0.14% above the national average. With a median home price of $177,000 and a 20% down payment of $35,400, homebuyers can expect a monthly principal and interest payment of approximately $922.
Current Mortgage Rates in Georgetown, KY
Below are the current average mortgage rates available in the Georgetown 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 | 6.79% | 6.65% | +0.14% |
| 15-Year Fixed | 6.02% | 5.89% | +0.13% |
| 5/1 ARM | 6.27% | 6.15% | +0.12% |
| FHA | 6.52% | 6.25% | +0.27% |
| VA | 6.27% | 6.05% | +0.22% |
| Jumbo | 7.04% | 6.85% | +0.19% |
Georgetown Housing Market Overview
The Georgetown housing market offers relatively affordable housing compared to many major cities. The median household income in Georgetown is $43,900, and the cost of living index is 80.9 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $44,871 to comfortably afford the median-priced home in Georgetown, which exceeds the current median household income.
Monthly Payment Breakdown for Georgetown
Based on the median home price of $177,000 with 20% down ($35,400), here is what you can expect to pay monthly in Georgetown:
15-Year vs. 30-Year Mortgage in Georgetown
Choosing a 15-year mortgage in Georgetown at 6.02% instead of a 30-year at 6.79% would save you $116,640 in total interest over the life of the loan. However, your monthly payment would be $1,196 instead of $922 — an increase of $274 per month.
Calculate Your Georgetown 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 Georgetown
What are the current mortgage rates in Georgetown, KY?
As of March 2026, the average 30-year fixed mortgage rate in Georgetown, Kentucky is 6.79%, while the 15-year fixed rate is 6.02%. FHA loans average 6.52% and VA loans 6.27%. These rates are 0.14% above the national average of 6.65%.
How much is a monthly mortgage payment in Georgetown?
Based on the median home price of $177,000 with 20% down, the estimated monthly mortgage payment in Georgetown is $922 for principal and interest. Including property taxes of $125/month, the total monthly housing cost is approximately $1,047.
What income do I need to buy a home in Georgetown?
Using the 28% rule, you would need an annual income of approximately $44,871 to afford the median-priced home in Georgetown at $177,000. The median household income in Georgetown is $43,900. This means most households would need to either earn above the median or consider homes below $177,000.
Is Georgetown a good place to buy a home in 2026?
Georgetown offers a below-average cost of living with a cost of living index of 80.9 (national average = 100). The property tax rate in Kentucky is 0.85%, which is near the national average. Georgetown has a population of 36,250 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 Georgetown, Kentucky area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.