Mortgage Rates in Jeffersontown, Kentucky — March 2026
Updated March 2026 | Based on Jeffersontown market data and regional lending conditions
Jeffersontown is a growing city in Kentucky with a population of 28,008. The current 30-year fixed mortgage rate in Jeffersontown is 6.62%, which is 0.03% below the national average. With a median home price of $152,000 and a 20% down payment of $30,400, homebuyers can expect a monthly principal and interest payment of approximately $778.
Current Mortgage Rates in Jeffersontown, KY
Below are the current average mortgage rates available in the Jeffersontown 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 | 6.62% | 6.65% | -0.03% |
| 15-Year Fixed | 5.89% | 5.89% | 0% |
| 5/1 ARM | 6.17% | 6.15% | +0.02% |
| FHA | 6.44% | 6.25% | +0.19% |
| VA | 6.19% | 6.05% | +0.14% |
| Jumbo | 6.87% | 6.85% | +0.02% |
Jeffersontown Housing Market Overview
The Jeffersontown housing market offers relatively affordable housing compared to many major cities. The median household income in Jeffersontown is $44,100, and the cost of living index is 79.7 (national average = 100). Based on the 28% affordability rule, the median income in Jeffersontown is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Jeffersontown
Based on the median home price of $152,000 with 20% down ($30,400), here is what you can expect to pay monthly in Jeffersontown:
15-Year vs. 30-Year Mortgage in Jeffersontown
Choosing a 15-year mortgage in Jeffersontown at 5.89% instead of a 30-year at 6.62% would save you $96,660 in total interest over the life of the loan. However, your monthly payment would be $1,019 instead of $778 — an increase of $241 per month.
Calculate Your Jeffersontown 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 Jeffersontown
What are the current mortgage rates in Jeffersontown, KY?
As of March 2026, the average 30-year fixed mortgage rate in Jeffersontown, Kentucky is 6.62%, while the 15-year fixed rate is 5.89%. FHA loans average 6.44% and VA loans 6.19%. These rates are 0.03% below the national average of 6.65%.
How much is a monthly mortgage payment in Jeffersontown?
Based on the median home price of $152,000 with 20% down, the estimated monthly mortgage payment in Jeffersontown is $778 for principal and interest. Including property taxes of $99/month, the total monthly housing cost is approximately $877.
What income do I need to buy a home in Jeffersontown?
Using the 28% rule, you would need an annual income of approximately $37,586 to afford the median-priced home in Jeffersontown at $152,000. The median household income in Jeffersontown is $44,100. The median income is currently sufficient to meet this threshold.
Is Jeffersontown a good place to buy a home in 2026?
Jeffersontown offers a below-average cost of living with a cost of living index of 79.7 (national average = 100). The property tax rate in Kentucky is 0.78%, which is below the national average. Jeffersontown has a population of 28,008 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 Jeffersontown, Kentucky area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.