Our goal is to offer the highest quality mortgage resources and advice to our users for free.
How We Make Money
The listings that appear on this page are from companies from which this website and the data provider may receive compensation. These listings may not include all companies or all available products.
Editorial Independence
We may receive a fee if you click on a lender or submit a form on our website. This fee in no way affects the information or advice we provide. We maintain editorial independence to ensure that the recommendations and insights we provide are objective and unbiased.
Lender Tables
The lenders whose rates and other terms appear on this chart are ICBs advertising partners they provide their rate information to our data partner RateUpdatecom Unless adjusted by the consumer advertisers are sorted by APR lowest to highest For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart Advertising partners may not pay to improve the frequency priority or prominence of their display The interest rates annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums The actual payment obligation will be greater if taxes and insurance are included Although our data partner RateUpdatecom collects the information from the financial institutions themselves the accuracy of the data cannot be guaranteed Rates may change without notice and can change intraday Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders Please verify the rates and offers before applying for a loan with the financial institution themselves No rate is binding until locked by a lender
Compare Kentucky mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Kentucky.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Kentucky. Plus, shopping lenders is free and there is no obligation.
Refine Your Search+
%
Kentucky Mortgage Rates as of August 2, 2025
Lender
APR
Loan Type
Rate
Payment
Fees & Points
Contact
%
Get Personalized Mortgage Quotes
Thank you for submitting your information!
Your mortgage quote request has been sent to our lending partners and you should receive emails from multiple lenders shortly. Comparing proposals from multiple lenders is the best way to save money on your mortgage!
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Read through our lender table disclaimer for more information on rates and product details.
Get Free Personalized Mortgage Quotes
Compare Offers
Save Money
No Obligation
By clicking the button above, you agree to allow FREEandCLEAR to connect you with lenders or other third parties and that FREEandCLEAR and other parties may contact you at the email address and phone number you provided, even if your number appears on a Do Not Call Registry or List. Your consent is not a condition to work with a lender or to qualify for a mortgage. Please review our Privacy Policy for more information. NMLS: 357085
Compare Today's Kentucky Mortgage Rates
August 2, 2025
Current mortgage rates in Kentucky are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)
Mortgage Program
Today's Kentucky Rates
National Average
Comparison
30 Year Fixed Rate
%
6.670%
15 Year Fixed Rate
%
5.960%
5/1 Adjustable Rate Mortgage
%
6.250%
How Affordable is Housing in Kentucky?
Below we offer valuable insights on the housing market and real estate prices in Kentucky. Understand how much you need to make to buy a house in Kentucky, including the mortgage you need. Review the monthy loan payment so you can determine if home ownership in Kentucky is affordable for you. We provide this helpful information to help you decide if living in Kentucky is right for you.
The median home value for Kentucky is $191,506
Based on current mortgage rates and a 10% down payment, the income required to buy the median priced home in Kentucky is $39,951
With this income, you could qualify for a $172,356 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Kentucky is $925
The median household income for Kentucky is $57,635
Based on this income, you can afford a home valued at approximately $276,271
The home price you can afford to buy based on household income in Kentucky is 144% of the median home value which means housing prices are super affordable. Kentucky ranks 10 out of 50 states for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the real estate market in Kentucky is super affordable
Additional Mortgage Resources for Kentucky Residents