Local
Learn about the people, housing, costs and businesses in Smithland, Kentucky
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Smithland.
True all-in cost — P&I, taxes, insurance & utilities for homes in Smithland.
Find and compare lenders active near Smithland.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Smithland.
Seismic risk and earthquake insurance estimates for Smithland.
Wildfire exposure and insurance estimates for Smithland.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Smithland is approximately 6.958% (6.999% 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 SmithlandThe median home value in Smithland is $123k. The median monthly rent is $1,096. Annual property taxes average $1k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Smithland have increased 31.3% 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 $892/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $38k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Smithland is $72k/year.
Calculate your buying powerThe largest employment sectors in Smithland are public administration (21%) and retail (19%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.