Mortgage Rates in Kentucky
Current mortgage rates updated daily for Kentucky. Average 30yr fixed: 6.73%. Median home price: $265,000.
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Current Rates
30-Year Fixed6.73%
15-Year Fixed6.23%
5/1 ARM6.13%
Housing Market
Median Home Price$265,000
Down Payment (20%)$53,000
Property Tax0.86%
Monthly Payment
P&I (Principal & Interest)$1,372
Property Tax$190
Total (P&I + Tax)$1,562
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Quick Facts — Kentucky
6.73%
Avg 30yr Rate
$265,000
Median Home Price
4.5M
Population
0.86%
Property Tax
Top Cities: Louisville, Lexington, Bowling Green
Mortgage Rates by State
Click any state to see detailed mortgage rates and payment estimates.
Alabama
6.72%
$1,423/mo
Alaska
6.68%
$1,803/mo
Arizona
6.7%
$2,246/mo
Arkansas
6.74%
$1,374/mo
California
6.65%
$3,980/mo
Colorado
6.68%
$2,808/mo
Connecticut
6.71%
$1,989/mo
Delaware
6.69%
$1,779/mo
Florida
6.7%
$2,117/mo
Georgia
6.68%
$1,674/mo
Hawaii
6.62%
$4,480/mo
Idaho
6.72%
$2,302/mo
Illinois
6.73%
$1,528/mo
Indiana
6.74%
$1,451/mo
Iowa
6.75%
$1,271/mo
Kansas
6.74%
$1,322/mo
Kentucky
6.73%
$1,372/mo
Louisiana
6.76%
$1,273/mo
Maine
6.7%
$1,936/mo
Maryland
6.67%
$2,136/mo
Massachusetts
6.66%
$3,007/mo
Michigan
6.74%
$1,425/mo
Minnesota
6.71%
$1,783/mo
Mississippi
6.76%
$1,221/mo
Missouri
6.73%
$1,372/mo
Montana
6.72%
$2,198/mo
Nebraska
6.74%
$1,374/mo
Nevada
6.69%
$2,192/mo
New Hampshire
6.7%
$2,194/mo
New Jersey
6.66%
$2,545/mo
New Mexico
6.72%
$1,526/mo
New York
6.68%
$3,349/mo
North Carolina
6.67%
$1,775/mo
North Dakota
6.73%
$1,476/mo
Ohio
6.75%
$1,375/mo
Oklahoma
6.74%
$1,270/mo
Oregon
6.66%
$2,442/mo
Pennsylvania
6.69%
$1,521/mo
Rhode Island
6.68%
$2,138/mo
South Carolina
6.69%
$1,676/mo
South Dakota
6.73%
$1,579/mo
Tennessee
6.68%
$1,726/mo
Texas
6.7%
$1,781/mo
Utah
6.69%
$2,707/mo
Vermont
6.71%
$1,989/mo
Virginia
6.66%
$2,031/mo
Washington
6.64%
$2,950/mo
West Virginia
6.76%
$1,169/mo
Wisconsin
6.72%
$1,578/mo
Wyoming
6.73%
$1,786/mo
Frequently Asked Questions — Kentucky
What is the average mortgage rate in Kentucky?+
As of mid-2026, the average 30-year fixed rate in Kentucky is 6.73%. This varies by credit score, down payment, and lender.
How much down payment do I need in Kentucky?+
On the median home of $265,000, 20% down is $53,000. FHA needs 3.5%, VA and USDA may offer 0% down.
What are top cities to buy a home in Kentucky?+
Top cities include Louisville, Lexington, Bowling Green. Each offers unique neighborhoods, job markets, and housing styles to suit different budgets.