Mortgage Rates in Kentucky — March 2026
Compare current mortgage rates across 42 cities in Kentucky. The average 30-year fixed rate is 6.68%, which is 0.03% above the national average of 6.65%.
Kentucky Housing Highlights
All 42 Cities in Kentucky
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Louisville | 6.74% | $215,000 | $1,114 | 633,045 |
| Lexington | 6.74% | $265,000 | $1,374 | 322,570 |
| Bowling Green | 6.74% | $235,000 | $1,218 | 78,602 |
| Owensboro | 6.74% | $175,000 | $907 | 60,183 |
| Covington | 6.74% | $195,000 | $1,011 | 40,961 |
| Richmond | 6.61% | $156,000 | $798 | 37,522 |
| Georgetown | 6.79% | $177,000 | $922 | 36,250 |
| Nicholasville | 6.66% | $178,000 | $915 | 33,068 |
| Florence | 6.61% | $171,000 | $875 | 32,921 |
| Elizabethtown | 6.18% | $215,000 | $1,051 | 30,542 |
| Hopkinsville | 6.23% | $135,000 | $663 | 30,089 |
| Henderson | 6.61% | $188,000 | $962 | 28,757 |
| Frankfort | 6.69% | $191,000 | $985 | 28,602 |
| Independence | 6.77% | $174,000 | $905 | 28,488 |
| Jeffersontown | 6.62% | $152,000 | $778 | 28,008 |
| Paducah | 6.02% | $125,000 | $601 | 27,127 |
| Radcliff | 6.82% | $143,000 | $747 | 22,975 |
| Ashland | 6.76% | $145,000 | $753 | 20,059 |
| Erlanger | 6.71% | $142,000 | $734 | 19,825 |
| Murray | 6.03% | $165,000 | $794 | 19,756 |
| Madisonville | 6.74% | $156,000 | $809 | 19,591 |
| Winchester | 6.66% | $178,000 | $915 | 19,297 |
| Burlington | 6.67% | $179,000 | $921 | 19,038 |
| St. Matthews | 6.89% | $165,000 | $868 | 18,105 |
| Shelbyville | 6.7% | $165,000 | $852 | 18,057 |
| Danville | 6.83% | $174,000 | $910 | 17,018 |
| Berea | 6.7% | $156,000 | $805 | 16,739 |
| Fort Thomas | 6.77% | $160,000 | $832 | 16,325 |
| Shively | 6.79% | $143,000 | $745 | 15,264 |
| Mount Washington | 6.86% | $167,000 | $876 | 14,820 |
| Glasgow | 6.83% | $149,000 | $779 | 14,719 |
| Bardstown | 6.63% | $166,000 | $851 | 13,527 |
| Fort Campbell North | 6.61% | $178,000 | $910 | 13,095 |
| Shepherdsville | 6.64% | $148,000 | $759 | 13,060 |
| Fort Knox | 6.76% | $143,000 | $743 | 12,377 |
| Campbellsville | 6.62% | $153,000 | $783 | 12,055 |
| Lawrenceburg | 6.82% | $178,000 | $930 | 11,829 |
| Somerset | 6.89% | $144,000 | $758 | 11,352 |
| Versailles | 6.82% | $143,000 | $747 | 10,374 |
| La Grange | 6.83% | $161,000 | $842 | 10,215 |
| Paris | 6.8% | $144,000 | $751 | 9,846 |
| Middlesborough | 6.74% | $168,000 | $871 | 9,426 |
Kentucky Mortgage Rates Guide — 2026
Kentucky homebuyers currently see an average 30-year fixed mortgage rate of 6.68%, with median home prices around $168,095. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $866.
The most affordable city for homebuyers in Kentucky is Paducah, where the median home price is $125,000. On the other end, Lexington has the highest prices at $265,000. Property tax rates across the state average 0.84%.
To comfortably afford a home at the state average price, a household income of approximately $37,114 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — Kentucky Mortgages
What are current mortgage rates in Kentucky?
As of March 2026, the average 30-year fixed mortgage rate in Kentucky is 6.68% and the 15-year fixed rate averages 5.92%. Rates vary by city, lender, and borrower qualification.
What is the average home price in Kentucky?
The median home price across 42 cities in Kentucky is $168,095. Prices range from $125,000 in Paducah to $265,000 in Lexington.
How much income do I need to buy a house in Kentucky?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $37,114 to comfortably afford the average home in Kentucky. The median household income in the state is approximately $47,528.
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