Mortgage Rates in Kentucky
Updated April 2026
Key Mortgage Metrics
Median Home Price
$220,000
30-Year Fixed Rate
6.7%
Property Tax Rate
0.85%
Est. Annual Property Tax
$1,870
Housing Market in Kentucky
The median home price in Kentucky is currently $220,000, with an average 30-year fixed mortgage rate of 6.7%. Property taxes in Kentucky average 0.85% of home value, translating to approximately $1,870 annually on a median-priced home.
Use our mortgage calculator to estimate your monthly payments based on your specific down payment and loan terms.
First-Time Homebuyer Programs
Kentucky offers several programs to help first-time homebuyers:
- Kentucky Housing Corporation
- State housing programs
Contact your state housing finance agency for eligibility requirements and application details.
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