Kentucky Mortgage Calculator
Estimate your monthly mortgage payment including taxes and insurance.
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- No signup required
- Updated for 2026
Use our free Kentucky mortgage calculator to estimate your monthly payment including principal, interest, property taxes, and insurance. See a full amortization schedule and compare different loan terms. Rates vary by county; we use a statewide average for estimates.
Loan details
Rates vary by county. This is an estimated statewide average.
Monthly payment
$1,368.27
- Principal & interest$1,112.44
- Property tax$155.83
- Insurance$100.00
Loan amount: $176,000 · Total interest: $224,478
Monthly breakdown
Amortization schedule
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $1,112.44 | $159.11 | $953.33 | $175,840.89 |
| 2 | $1,112.44 | $159.97 | $952.47 | $175,680.93 |
| 3 | $1,112.44 | $160.83 | $951.61 | $175,520.09 |
| 4 | $1,112.44 | $161.71 | $950.73 | $175,358.38 |
| 5 | $1,112.44 | $162.58 | $949.86 | $175,195.80 |
| 6 | $1,112.44 | $163.46 | $948.98 | $175,032.34 |
| 7 | $1,112.44 | $164.35 | $948.09 | $174,867.99 |
| 8 | $1,112.44 | $165.24 | $947.20 | $174,702.75 |
| 9 | $1,112.44 | $166.13 | $946.31 | $174,536.62 |
| 10 | $1,112.44 | $167.03 | $945.41 | $174,369.59 |
| 11 | $1,112.44 | $167.94 | $944.50 | $174,201.65 |
| 12 | $1,112.44 | $168.85 | $943.59 | $174,032.80 |
| 13 | $1,112.44 | $169.76 | $942.68 | $173,863.04 |
| 14 | $1,112.44 | $170.68 | $941.76 | $173,692.36 |
| 15 | $1,112.44 | $171.61 | $940.83 | $173,520.75 |
| 16 | $1,112.44 | $172.54 | $939.90 | $173,348.22 |
| 17 | $1,112.44 | $173.47 | $938.97 | $173,174.75 |
| 18 | $1,112.44 | $174.41 | $938.03 | $173,000.34 |
| 19 | $1,112.44 | $175.35 | $937.09 | $172,824.98 |
| 20 | $1,112.44 | $176.30 | $936.14 | $172,648.68 |
| 21 | $1,112.44 | $177.26 | $935.18 | $172,471.42 |
| 22 | $1,112.44 | $178.22 | $934.22 | $172,293.20 |
| 23 | $1,112.44 | $179.18 | $933.25 | $172,114.02 |
| 24 | $1,112.44 | $180.16 | $932.28 | $171,933.86 |
Showing rows 1–24 of 360
Frequently asked questions
Property tax rates in Kentucky vary by county. This calculator uses a statewide average as the default; you can change the rate in the form. Check your county assessor for exact rates.
Enter your home price, down payment, interest rate, and loan term. We pre-fill Kentucky's typical property tax rate. Add your annual insurance and any HOA fees. The calculator shows your total monthly payment and a full amortization schedule.
Principal and interest are calculated with the standard amortization formula. Property tax and insurance are estimates. This tool is for planning only and does not constitute financial advice.
Kentucky Mortgage Overview
Kentucky has relatively affordable housing and moderate property tax rates. Use this calculator to estimate your monthly payment. This calculator provides estimates only.