Kentucky (KY) · South Real Estate Profile
Kentucky Mortgage Payment & Property Tax Guide
Calculate your exact monthly housing expense in Kentucky. In Kentucky, the effective statewide property tax rate averages 0.83% and homeowners insurance averages 0.58% of home market value. Explore 25 pre-calculated loan scenarios below.
Effective Property Tax0.83%
Homeowners Insurance0.58%
Median Home Price$205,000
Conforming Loan Limit$766,550
Property Tax Context for Kentucky: At 0.83%, a median-priced home of $205,000 pays roughly $1,702 per year in property taxes ($142/month). Millage rates vary across counties and municipalities.
Companion Tax Engine
View Kentucky Tax Tables →Check Take-Home Pay Across All 50 States on AfterTaxMath
See exact net salary, state income tax withholding, and FICA deductions for Kentucky residents.
Monthly Payment Benchmarks in Kentucky (30-Year Fixed at 6.50%%)
Estimated monthly PITI payments assuming 20% down payment and standard 28% DTI underwriting:
| Loan Amount | Est. Home Value | 30-Yr P&I | KY Property Tax | Total PITI/mo | Required Salary | Details |
|---|---|---|---|---|---|---|
| $150,000 | $187,500 | $948/mo | $130/mo | $1,168/mo | $50,000/yr | View schedule → |
| $250,000 | $312,500 | $1,580/mo | $216/mo | $1,947/mo | $83,000/yr | View schedule → |
| $350,000 | $437,500 | $2,212/mo | $303/mo | $2,726/mo | $117,000/yr | View schedule → |
| $450,000 | $562,500 | $2,844/mo | $389/mo | $3,505/mo | $150,000/yr | View schedule → |
| $550,000 | $687,500 | $3,476/mo | $476/mo | $4,284/mo | $184,000/yr | View schedule → |
| $750,000 | $937,500 | $4,741/mo | $648/mo | $5,842/mo | $250,000/yr | View schedule → |
| $1,000,000 | $1,250,000 | $6,321/mo | $865/mo | $7,789/mo | $334,000/yr | View schedule → |
Browse all 25 loan amounts in Kentucky
Select any loan principal to view detailed amortization, rate sensitivity, and DTI requirements:
$100k in KY$779/mo$150k in KY$1,168/mo$200k in KY$1,558/mo$250k in KY$1,947/mo$300k in KY$2,337/mo$350k in KY$2,726/mo$400k in KY$3,116/mo$450k in KY$3,505/mo$500k in KY$3,895/mo$550k in KY$4,284/mo$600k in KY$4,674/mo$650k in KY$5,063/mo$700k in KY$5,453/mo$750k in KY$5,842/mo$800k in KY$6,232/mo$850k in KY$6,621/mo$900k in KY$7,010/mo$950k in KY$7,400/mo$1 million in KY$7,789/mo$1.1 million in KY$8,568/mo$1.2 million in KY$9,347/mo$1.3 million in KY$10,126/mo$1.4 million in KY$10,905/mo$1.5 million in KY$11,684/mo$2 million in KY$15,579/mo
Explore neighboring South states
Compare mortgage payment benchmarks and property taxes across neighboring South jurisdictions:
Alabama (0.40% tax)View guide →Arkansas (0.62% tax)View guide →District of Columbia (0.57% tax)View guide →Florida (0.86% tax)View guide →Georgia (0.88% tax)View guide →Louisiana (0.56% tax)View guide →
Closing Costs & Transfer Tax in Kentucky
Real estate transfer tax is $0.50 per $500 of value.