Updated
May 08, 2023 Check out the latest average mortgage rates in Kentucky for conventional and non-conventional mortgages. You can compare them to current national rates as well as historical interest rates for both Kentucky and the United States.
Current Mortgage Rates in Kentucky
| Mortgage Type | Avg. KY Rate | National Rate |
| 30-Year Fixed | 4.25% | 3.60% |
| 15-Year Fixed | 3.38% | 3.05% |
| 30-Year 5/1 ARM | 3.88% | 3.36% |
| 30-Year 3/1 ARM | 3.81% | – |
| 30-Year 7/1 ARM | 3.99% | – |
| 30-Year 10/1 ARM | 4.05% | – |
Last update: 1/30/2020
Source: Consumer Financial Protection Bureau, Federal Reserve Bank of St. Louis
Non-Conventional Mortgage Rates in Kentucky
| Mortgage Type | Avg. KY Rate |
| FHA 30-Year Fixed | 3.81% |
| FHA 15-Year Fixed | 3.81% |
| VA 30-Year Fixed | 3.83% |
| VA 15-Year Fixed | 3.80% |
Last update: 1/30/2020
Source: Consumer Financial Protection Bureau
Historical Mortgage Rate Trends in KY
Source: Federal Housing Finance Agency Monthly Interest Rate Survey
Note: Adjustable mortgage rates excluded due to insufficient data.
Historical Mortgage Rate Trends in the U.S.
Source: Freddie Mac