Safe Rate Local
Learn about the people, housing, costs and businesses across Kentucky
Real local data across mortgage, insurance, natural hazard, and place.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Kentucky.
True all-in cost — P&I, taxes, insurance & utilities for homes in Kentucky.
Find and compare lenders active near Kentucky.
FEMA flood zones and flood insurance estimates for Kentucky.
Seismic risk and earthquake insurance estimates for Kentucky.
Wildfire exposure and insurance estimates for Kentucky.
As of today, the 30-year fixed mortgage rate for Kentucky is approximately 6.946% (6.990% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for KentuckyThe median home value in Kentucky is $216k. The median monthly rent is $1,005. Annual property taxes average $2k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Kentucky have increased 17.7% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $997/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $43k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Kentucky is $69k/year.
Calculate your buying powerThe largest employment sectors in Kentucky are public administration (24%) and retail (14%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.