Local
Learn about the people, housing, costs and businesses in Lexington-Fayette urban county, Kentucky
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Lexington-Fayette urban county.
True all-in cost — P&I, taxes, insurance & utilities for homes in Lexington-Fayette urban county.
Find and compare lenders active near Lexington-Fayette urban county.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Lexington-Fayette urban county.
Seismic risk and earthquake insurance estimates for Lexington-Fayette urban county.
Wildfire exposure and insurance estimates for Lexington-Fayette urban county.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Lexington-Fayette urban county is approximately 6.935% (6.973% 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 Lexington-Fayette urban countyThe median home value in Lexington-Fayette urban county is $315k. The median monthly rent is $1,226. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Lexington-Fayette urban county have increased 20.9% 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 $1,281/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $55k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Lexington-Fayette urban county is $79k/year.
Calculate your buying powerThe largest employment sectors in Lexington-Fayette urban county are public administration (28%) and healthcare (13%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.