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Shepherdsville

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.

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Mortgage Rates in Shepherdsville, KY as of January 23, 2020
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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.
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How Do Today's Shepherdsville, KY Mortgage Rates Compare?

January 23, 2020

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
Today's
Shepherdsville, KY Rates
National
Average
Comparison
30 Year Fixed Rate
A.AAA%
3.650%
15 Year Fixed Rate
B.BBB%
3.090%
5/1 Adjustable Rate Mortgage
C.CCC%
3.390%

How Affordable is Housing in Shepherdsville, Kentucky?

Below we provide helpful information on the real estate market, home prices and housing affordability in Shepherdsville. Understand how much you need to earn to afford a home in Shepherdsville, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Shepherdsville 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 Shepherdsville is right for you.

The median home value for Shepherdsville, KY (Bullitt County) is $185,965

Based on current mortgage rates and a 10% down payment, you need to make $33,469 per year to buy the median priced home in Shepherdsville

With this income, you could qualify for a $167,369 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 Shepherdsville is $775

The median household income for Shepherdsville, KY (Bullitt County) is $63,191

Based on this income, you can afford a home valued at approximately $351,111

The home price you can afford to buy based on household income in Shepherdsville is 189% of the median home value which means housing prices are average. Shepherdsville (Bullitt County) ranks 91 out of 120 counties in Kentucky and 1,789 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

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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: $510,400
2 units: $653,550
3 units: $789,950
4 units: $981,700

FHA loan limits for Shepherdsville, KY

1 unit: $333,500
2 units: $426,950
3 units: $516,050
4 units: $641,350

VA loan limits for Shepherdsville, KY

1 unit: $510,400

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