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 April 25, 2024
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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 or insurance premiums. Actual payments will be greater with taxes and insurance included. Read through our lender table disclaimer for more information on rates and product details.

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Compare Today's Elizabethtown, KY Mortgage Rates

April 25, 2024

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 $211,962

Based on current mortgage rates and a 10% down payment, you need to make $44,219 per year to buy the median priced home in Elizabethtown

With this income, you could qualify for a $190,766 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 $1,024

The median household income for Elizabethtown, KY (Hardin County) is $61,981

Based on this income, you can afford a home valued at approximately $297,105

The home price you can afford to buy based on household income in Elizabethtown is 140% of the median home value which means housing prices are average. Elizabethtown (Hardin County) ranks 112 out of 120 counties in Kentucky and 2,127 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: $726,200
2 units: $929,850
3 units: $1,123,900
4 units: $1,396,800

FHA loan limits for Elizabethtown, KY

1 unit: $472,030
2 units: $604,400
3 units: $730,525
4 units: $907,900

VA loan limits for Elizabethtown, KY

1 unit: $726,200

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