Current Mortgage Rates in Shepherdsville, Kentucky

Compare mortgage rates and fees for leading lenders in Shepherdsville, KY. 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 lender offering the best mortgage rates in Shepherdsville.

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

Mortgage Rates in Shepherdsville, KY as of December 12, 2019
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Data provided by Informa Research Services. Payments do not include amounts for taxes and insurance premiums. Click for more information on rates and product details.

How Do Today's Shepherdsville, KY Mortgage Rates Compare?

December 12, 2019

The current average rate for a 30 year fixed rate mortgage in Shepherdsville is A.AAA%, the rate for a 15 year fixed rate mortgage is B.BBB% and the rate for a 5/1 adjustable rate mortgage (ARM) is C.CCC%

Mortgage Program
Shepherdsville, KY Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Shepherdsville, Kentucky?

The median home value for Shepherdsville, KY (Bullitt County) is $177,110

The median household income for Shepherdsville, KY (Bullitt County) is $61,749

Based on current mortgage rates and a 10% down payment, you need to make $32,859 per year to buy the median priced home in Shepherdsville

The home price you can afford to buy based on household income in Shepherdsville is 188% of the median home value which means housing prices are average

Shepherdsville (Bullitt County) ranks 92 out of 120 counties in Kentucky and 1,823 out of 3,142 counties in the United States for housing affordability.

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


Loan Limits for Shepherdsville, Kentucky

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

Conforming loan limits for Shepherdsville, KY

1 unit: $484,350
2 units: $620,200
3 units: $749,650
4 units: $931,600

FHA loan limits for Shepherdsville, KY

1 unit: $316,250
2 units: $404,850
3 units: $489,350
4 units: $608,150

VA loan limits for Shepherdsville, KY

1 unit: $484,350

Additional Mortgage Resources for Shepherdsville, KY Residents

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US Census Bureau American Community Survey: https://www.census.gov/programs-surveys/acs

FHFA House Price Index: https://www.fhfa.gov/DataTools/Downloads/Pages/House-Price-Index-Datasets.aspx#qat

Income Growth: https://www.bls.gov

National Average Rates: http://www.freddiemac.com/pmms/

Conforming Loan Limits: https://www.fhfa.gov/DataTools/Downloads/Pages/Conforming-Loan-Limits.aspx

FHA Loan Limits: https://entp.hud.gov/idapp/html/hicostlook.cfm

VA Loan Limits: https://www.benefits.va.gov/homeloans/purchaseco_loan_limits.asp

FREEandCLEAR Housing Affordability Index