Kentucky Mortgage Rates (2026)
Current average mortgage rates, median home prices, and top lenders in Kentucky. Rates apply to primary residence purchases with good credit (740+).
30yr Fixed
7.08%
Avg APR
15yr Fixed
6.48%
Avg APR
Median Price
$215,000
Median home
Monthly P&I
$1,147
30yr at 80% LTV
Advertisement
Top Mortgage Lenders in Kentucky
1
Get RateRocket Mortgage
Online convenience
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
2
Get RateChase
Existing customers
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
3
Get RateWells Fargo
Branch access
30yr Fixed
7.1%
15yr Fixed
6.5%
Min Down
3%
4
Get RateBank of America
Preferred Rewards
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
5
Get RateloanDepot
Low down payment
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
Advertisement
First-Time Buyer Programs in Kentucky
- ✓KHC Regular Loan
- ✓KHC Affordable Down Payment Program
- ✓Welcome Home Kentucky
Mortgage Requirements in Kentucky
- •Min 620 credit score for KHC programs
- •Income limits apply (varies by county)
- •DTI under 45%
Kentucky Housing Market Facts
Louisville metro offers median home prices well below national average.
Kentucky has low property taxes (0.86% avg).
KHC provides down payment assistance up to $7,500.
Advertisement