State data
Kentucky Mortgage Calculator
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Estimated monthly payment
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& interest
- Principal & interest$0
- Property tax$0
- Home insurance$0
- HOA dues$0
- Mortgage insurance (PMI)$0
- Total interest over the loan
- $0
- Paid off
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Same price, down payment and rate. Real rates are usually lower for shorter terms.
Loan balance over time
| Year | Principal | Interest | Balance |
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Monthly payment
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Typical monthly cost of the median home in Kentucky
Principal and interest
$1,125
$164,480 loan at 7.28%, 30 years
Property tax
$149
0.87% of $205,600 a year
Together
$1,274
before insurance, HOA and PMI
That is about 24% of the median household income in Kentucky ($63,726 a year), before insurance and other costs.
Counties in Kentucky
Property tax rates and home values differ by county. Payment is principal, interest and property tax on the median home.
| County | Median home | Tax rate | Payment |
|---|---|---|---|
| Jefferson County | $248,400 | 0.89% | $1,544 |
| Fayette County | $293,500 | 0.88% | $1,822 |
| Kenton County | $244,400 | 1.02% | $1,546 |
| Warren County | $258,000 | 0.67% | $1,556 |
| Boone County | $277,300 | 0.90% | $1,726 |
| Hardin County | $225,800 | 0.74% | $1,375 |
| Daviess County | $199,900 | 0.91% | $1,246 |
| Madison County | $232,000 | 0.80% | $1,425 |
| Campbell County | $252,000 | 1.08% | $1,606 |
| Bullitt County | $247,200 | 0.90% | $1,539 |
| Christian County | $173,600 | 0.74% | $1,057 |
| Oldham County | $393,100 | 0.94% | $2,460 |
Frequently asked questions
What is the property tax rate in Kentucky?
Using Census Bureau medians, homeowners with a mortgage in Kentucky pay about $1,798 a year in property tax on a median home value of $205,600, an effective rate of 0.87%. That ranks 26 of 51 (the states and DC, highest first) and is below the U.S. median of 1.05%. Rates vary by county and city, and your bill depends on the assessed value and any exemptions.
How much is the monthly payment on a median-priced home in Kentucky?
On a $205,600 home with 20% down and a 30-year loan at 7.28% (the Freddie Mac weekly average), principal and interest is about $1,125 a month and property tax about $149, so roughly $1,274 before homeowners insurance, HOA dues and mortgage insurance.
What is the conforming loan limit in Kentucky?
Most counties in Kentucky have a one-unit conforming loan limit of $832,750, set by the Federal Housing Finance Agency. Loans above the limit are jumbo loans, which can have different rates and down payment rules.
Where do these numbers come from?
Home values, property taxes and incomes are U.S. Census Bureau American Community Survey 5-year medians. Loan limits come from the Federal Housing Finance Agency and rates from Freddie Mac. The methodology page lists each source and when it was retrieved.
Data and method. Home values, property taxes and incomes: U.S. Census Bureau, ACS 2024 5-year (2020-2024) (medians, with sampling error; property tax is for owners with a mortgage). Loan limits: FHFA. Rates: Freddie Mac weekly average as of October 1, 2026. Retrieved October 1, 2026. Payment figures assume 20% down, a 30-year fixed loan, and exclude insurance, HOA dues and mortgage insurance. Estimates only; see the methodology.