Compare Current Elizabethtown, Kentucky Mortgage Rates

Compare Elizabethtown, KY 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 Elizabethtown.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Elizabethtown. Plus, shopping lenders is free and there is no obligation.

Elizabethtown, KY Mortgage Rates as of October 1, 2022
  • Lender
  • APR
  • Loan Type
  • Rate
  • Payment
  • Fees & Points
  • Contact
Data provided by Icanbuy, LLC. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more information on rates and product details.


Compare Today's Elizabethtown, KY Mortgage Rates

October 1, 2022

Current mortgage rates in Elizabethtown, KY 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
Elizabethtown, KY Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Elizabethtown, Kentucky?

Below we provide helpful information on the real estate market, home prices and housing affordability in Elizabethtown. Understand how much you need to earn to afford a home in Elizabethtown, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Elizabethtown fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Elizabethtown is right for you.

The median home value for Elizabethtown, KY (Hardin County) is $191,106

Based on current mortgage rates and a 10% down payment, you need to make $31,312 per year to buy the median priced home in Elizabethtown

With this income, you could qualify for a $171,995 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 Elizabethtown is $725

The median household income for Elizabethtown, KY (Hardin County) is $62,110

Based on this income, you can afford a home valued at approximately $379,076

The home price you can afford to buy based on household income in Elizabethtown is 198% of the median home value which means housing prices are average. Elizabethtown (Hardin County) ranks 97 out of 120 counties in Kentucky and 1,763 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Elizabethtown, KY is average


Loan Limits for Elizabethtown, Kentucky

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Elizabethtown (Hardin County) below.

Conforming loan limits for Elizabethtown, KY

1 unit: $647,200
2 units: $828,700
3 units: $1,001,650
4 units: $1,244,850

FHA loan limits for Elizabethtown, KY

1 unit: $420,680
2 units: $538,650
3 units: $651,050
4 units: $809,150

VA loan limits for Elizabethtown, KY

1 unit: $647,200

Additional Mortgage Resources for Elizabethtown, KY Residents

Mortgage Rates for Kentucky Cities

Boone Mortgage Rates

Bowling Green Mortgage Rates

Campbell Mortgage Rates

Covington Mortgage Rates

Elizabethtown Mortgage Rates

Lexington Mortgage Rates

Louisville Mortgage Rates

Owensboro Mortgage Rates

Richmond Mortgage Rates

Shepherdsville Mortgage Rates