Mortgage Rates in Shepherdsville, Kentucky — March 2026
Updated March 2026 | Based on Shepherdsville market data and regional lending conditions
Shepherdsville is a growing city in Kentucky with a population of 13,060. The current 30-year fixed mortgage rate in Shepherdsville is 6.64%, which is 0.01% below the national average. With a median home price of $148,000 and a 20% down payment of $29,600, homebuyers can expect a monthly principal and interest payment of approximately $759.
Current Mortgage Rates in Shepherdsville, KY
Below are the current average mortgage rates available in the Shepherdsville 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 | 6.64% | 6.65% | -0.01% |
| 15-Year Fixed | 5.91% | 5.89% | +0.02% |
| 5/1 ARM | 6.19% | 6.15% | +0.04% |
| FHA | 6.45% | 6.25% | +0.2% |
| VA | 6.2% | 6.05% | +0.15% |
| Jumbo | 6.89% | 6.85% | +0.04% |
Shepherdsville Housing Market Overview
The Shepherdsville housing market offers relatively affordable housing compared to many major cities. The median household income in Shepherdsville is $48,200, and the cost of living index is 78.4 (national average = 100). Based on the 28% affordability rule, the median income in Shepherdsville is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Shepherdsville
Based on the median home price of $148,000 with 20% down ($29,600), here is what you can expect to pay monthly in Shepherdsville:
15-Year vs. 30-Year Mortgage in Shepherdsville
Choosing a 15-year mortgage in Shepherdsville at 5.91% instead of a 30-year at 6.64% would save you $94,500 in total interest over the life of the loan. However, your monthly payment would be $993 instead of $759 — an increase of $234 per month.
Calculate Your Shepherdsville 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 Shepherdsville
What are the current mortgage rates in Shepherdsville, KY?
As of March 2026, the average 30-year fixed mortgage rate in Shepherdsville, Kentucky is 6.64%, while the 15-year fixed rate is 5.91%. FHA loans average 6.45% and VA loans 6.2%. These rates are 0.01% below the national average of 6.65%.
How much is a monthly mortgage payment in Shepherdsville?
Based on the median home price of $148,000 with 20% down, the estimated monthly mortgage payment in Shepherdsville is $759 for principal and interest. Including property taxes of $109/month, the total monthly housing cost is approximately $868.
What income do I need to buy a home in Shepherdsville?
Using the 28% rule, you would need an annual income of approximately $37,200 to afford the median-priced home in Shepherdsville at $148,000. The median household income in Shepherdsville is $48,200. The median income is currently sufficient to meet this threshold.
Is Shepherdsville a good place to buy a home in 2026?
Shepherdsville offers a below-average cost of living with a cost of living index of 78.4 (national average = 100). The property tax rate in Kentucky is 0.88%, which is near the national average. Shepherdsville has a population of 13,060 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 Shepherdsville, Kentucky area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.