Kentucky mortgage calculator

30-year fixed mortgage calculator with Kentucky-specific defaults. Median home price $215,000 · property tax effective rate 0.83%. All inputs update live; share your scenario as a URL.

Median home price reconciled 2026-04-22. Source: Zillow Home Value Index, state-level.

Your loan

Home price

$100k$2M

Down payment$43,000

Interest rate30-yr avg: 6.875%

Loan term

Taxes & insurance

(optional, but realistic)

State

Kentucky

State pre-set for this page. Switch state

Property tax rate

~$149 per month

Homeowner insurance

HOA dues (if any)

PMI required. With 20% down (LTV 80.0%), private mortgage insurance is added at 0.50% of the loan annually — that's $72/month. PMI auto-removes at month 28 (78% LTV, per the Homeowners Protection Act).

Extra payments

(optional — accelerate payoff)

Biweekly paymentsPay half the monthly amount every two weeks (26 half-payments per year ≈ 13 monthly equivalents). Typically saves 4-7 years and tens of thousands in interest on a 30-year loan.

Extra each month

Applied as additional principal every month.

One-time lump sum

Single payment toward principal at the specified month (e.g. tax refund or bonus).

Estimated monthly payment

For a $215,000 home, 20% down, 6.875% APR, 30-year fixed in Kentucky.

Where your payment goes

Principal & interest$1,130

Property tax$149

Homeowner insurance$145

PMI$72

Loan amount

$172,000

Total interest

$234,770

Total paid

$406,770

Compare scenarios →

How your balance falls over time

The crossover point — where more of each payment goes to principal than interest — is at year 20.

BalanceInterest paidPrincipal paid

Amortization schedule

Year-by-year breakdown of every payment.

Period	Payment	Principal	Interest	Total interest paid	Balance
Y01Year 1	$13,559	$1,790	$11,769	$11,769	$170,210
Y02Year 2	$13,559	$1,917	$11,642	$23,412	$168,294
Y03Year 3	$13,559	$2,053	$11,506	$34,918	$166,241
Y04Year 4	$13,559	$2,198	$11,361	$46,279	$164,043
Y05Year 5	$13,559	$2,354	$11,205	$57,483	$161,688
Y06Year 6	$13,559	$2,521	$11,038	$68,521	$159,167
Y07Year 7	$13,559	$2,700	$10,859	$79,379	$156,466
Y08Year 8	$13,559	$2,892	$10,667	$90,047	$153,574
Y09Year 9	$13,559	$3,097	$10,462	$100,508	$150,477
Y10Year 10	$13,559	$3,317	$10,242	$110,751	$147,160
Y11Year 11	$13,559	$3,552	$10,007	$120,757	$143,608
Y12Year 12	$13,559	$3,804	$9,755	$130,512	$139,804
Y13Year 13	$13,559	$4,074	$9,485	$139,997	$135,729
Y14Year 14	$13,559	$4,363	$9,196	$149,192	$131,366
Y15Year 15	$13,559	$4,673	$8,886	$158,078	$126,693
Y16Year 16	$13,559	$5,005	$8,554	$166,633	$121,688
Y17Year 17	$13,559	$5,360	$8,199	$174,832	$116,329
Y18Year 18	$13,559	$5,740	$7,819	$182,651	$110,589
Y19Year 19	$13,559	$6,147	$7,412	$190,063	$104,441
Y20Year 20	$13,559	$6,584	$6,975	$197,038	$97,858
Y21Year 21	$13,559	$7,051	$6,508	$203,546	$90,807
Y22Year 22	$13,559	$7,551	$6,008	$209,554	$83,256
Y23Year 23	$13,559	$8,087	$5,472	$215,026	$75,169
Y24Year 24	$13,559	$8,661	$4,898	$219,925	$66,509
Y25Year 25	$13,559	$9,275	$4,284	$224,209	$57,233
Y26Year 26	$13,559	$9,933	$3,626	$227,834	$47,300
Y27Year 27	$13,559	$10,638	$2,921	$230,755	$36,662
Y28Year 28	$13,559	$11,393	$2,166	$232,921	$25,269
Y29Year 29	$13,559	$12,201	$1,358	$234,279	$13,067
Y30Year 30	$13,559	$13,067	$492	$234,770	$0

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Kentucky — related

Kentucky income tax

Top marginal 4.00% · Flat rate

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Compare scenarios

Up to three mortgage scenarios side-by-side with a differential row.

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National 30-year fixed

Same calculator with cross-state defaults; manually pick any state.

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Last updated 2026-05-13