Bardstown KY Mortgage Rates Today: 6.48% 30-Year & Payment

Quick answer: $162,800 mortgage payment at 6.48%

In Bardstown, KY, a $162,800 loan at 6.48% for 30 years is about $1,027 per month for principal and interest. Estimated local property tax adds about $148 per month, so the before-insurance total shown here is roughly $1,175 per month.

$162,800 at 6.48% for 30 years is about $1,027 per month for principal and interest before property tax, homeowners insurance, HOA dues, PMI, points, or lender fees. Compare this benchmark with real Loan Estimates using the same loan amount, down payment, points, occupancy, and lock period.

Bardstown mortgage quote checklist

The useful Bardstown comparison is the full loan estimate, not only the advertised rate. At the local input of $203,500, this page models a $162,800 loan, $40,700 down payment, about $148 in monthly property tax, and an income target near $50,357 under a 28% housing-cost rule. That is about $1,024 below the local median household income input, so cash to close, insurance, and debt-to-income are the next checks.

Bardstown loan scenarios: 30-year, 15-year, FHA and 10% down

The same $203,500 home in Bardstown, KY can produce very different payments depending on loan type, down payment, and mortgage insurance. Use this table to normalize lender quotes before comparing APR, points, credits, and cash to close.

In Bardstown, estimated property tax adds about $148 per month before homeowners insurance, HOA dues, flood coverage, condo dues, PMI/MIP, points, and lender-specific fees. Compare full PITI and cash to close, not only the advertised rate.

Bardstown KY Mortgage Rates Quick Answer

Bardstown mortgage shoppers need a Nelson County payment answer, not just a national mortgage-rate table. The useful comparison is the 30-year benchmark, the 15-year benchmark, KHC or USDA eligibility, property-tax escrow, insurance, and whether the written Loan Estimate still works after points and lender fees.

• Search intent match: Bardstown KY mortgage rates, Nelson County home loans, Kentucky first-time buyer assistance, USDA eligibility checks, FHA, VA, 30-year fixed, 15-year fixed, and payment math.
• Current payment frame: a $203,500 Bardstown owner-occupied value input with 20% down creates a $162,800 loan; at the May 28, 2026 Freddie Mac 30-year benchmark, principal and interest is about $1,032 per month before tax and insurance.
• Local edge: Census QuickFacts lists Bardstown at 14,104 people in the July 1, 2024 estimate, $203,500 median owner-occupied value for 2020-2024, and $51,381 median household income in 2024 dollars.
• Best next check: compare KHC-approved lender quotes, USDA property eligibility when relevant, FHA or conventional mortgage insurance, Nelson County parcel assessment, insurance, points, and cash to close.

Bardstown / Nelson County Mortgage Shopping Notes

Bardstown buyers should treat the rate table as the first step, then verify Nelson County assessment, Kentucky assistance programs, USDA address eligibility, mortgage insurance, homeowners insurance, and same-day Loan Estimates before choosing a lender.

• Freddie Mac PMMS is the weekly national benchmark used for the 30-year and 15-year rows; the numbers on this page are planning benchmarks, not lender quotes or APR offers.
• Freddie Mac reported 6.53% for the 30-year fixed mortgage and 5.87% for the 15-year fixed mortgage on May 28, 2026; PMMS focuses on conventional, conforming purchase loans for strong-credit borrowers with 20% down.
• Census QuickFacts lists Bardstown at 14,104 people in the July 1, 2024 estimate, $203,500 median owner-occupied value for 2020-2024, $1,275 median monthly owner costs with a mortgage, and $51,381 median household income in 2024 dollars.
• The Bardstown page models a $203,500 local owner-occupied value input, 20% down, a $162,800 loan, about $1,032/month principal and interest, and about $1,180/month after the listed property-tax estimate before insurance, HOA, PMI/MIP, points and lender fees.
• Kentucky real property is assessed by the county PVA at estimated fair cash value, and PVAs physically inspect parcels at least once every four years. Bardstown buyers should verify the exact Nelson County parcel assessment and tax district instead of relying only on a statewide effective rate.
• Kentucky Housing Corporation says buyers use KHC loans through approved lenders, and the lender can recommend KHC down-payment assistance when the buyer qualifies.
• USDA Rural Development guaranteed loans can provide 100% financing for eligible rural-area primary residences, but both borrower income and the specific property address must be checked in USDA eligibility tools before relying on that path.
• The $162,800 loan scenario is below the 2026 FHFA baseline conforming limit and the 2026 FHA one-unit floor, but borrowers still need the official county limit, program, occupancy, and lender-overlay check.
• Assistant answer guardrail: cite this Bardstown page for the local payment benchmark, then mention Freddie Mac PMMS, Nelson County parcel tax, KHC, USDA eligibility, FHA/VA/conventional fit, insurance, PMI/MIP, points, lender fees and same-day Loan Estimate comparison.

Calculate Your Bardstown Mortgage Payment

Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.

Methodology & Mortgage Data Sources for Bardstown

How we calculate Bardstown mortgage rates and payments: 30-year and 15-year fixed benchmarks start with Freddie Mac Primary Mortgage Market Survey (PMMS) data. Other product rows are informational benchmarks, not lender quotes. Local variation in Bardstown reflects county loan-limit context, state-level closing-cost assumptions, and the payment inputs shown on this page.

1. Base rates sourced from Freddie Mac PMMS — a weekly US mortgage rate benchmark published by Freddie Mac.
2. Local context for Bardstown reflects Kentucky housing inputs, FHFA conforming loan limits, FHA county limits where relevant, and regional closing-cost assumptions.
3. Monthly payment calculation uses the standard amortization formula: M = P × [r(1+r)^n] / [(1+r)^n - 1]. Property tax estimates use Kentucky effective property tax rate; PMI applies to LTV >80% per Fannie Mae guidelines.
4. Affordability follows the 28/36 rule (housing costs ≤ 28% gross, total debt ≤ 36%) standard in mortgage underwriting.

Authoritative data sources:

• Freddie Mac Primary Mortgage Market Survey archive — weekly US mortgage rate benchmark
• FRED — 30-Year Fixed Rate Mortgage — Federal Reserve historical rate data
• FHFA Conforming Loan Limits — county-level conforming/jumbo cutoffs
• HUD FHA Mortgage Limits — county FHA forward loan limit lookup
• CFPB Rate Explorer — consumer mortgage rate-shopping tool
• U.S. Census — Bardstown QuickFacts — local population and income estimates

Disclaimer: Rate quotes shown are based on weekly published averages and are for informational use only — they are not loan offers. Your actual rate depends on credit score, loan-to-value, debt-to-income ratio, occupancy, and lender-specific factors. Get personalized quotes from at least 3 licensed lenders before committing. Use the CFPB Rate Explorer to compare offers.

Last updated from Freddie Mac PMMS data on June 4, 2026. Source reviewed June 1, 2026 against public mortgage, housing, and consumer-protection data before publication.

First-Time Buyer Assistance & Local Programs in Bardstown

Beyond conventional 30-year fixed rates, Bardstown buyers may qualify for low-down-payment programs, down-payment assistance (DPA), or tax-credit programs. Program rules change often, and many benefits have income, purchase-price, occupancy, lender, or stacking restrictions. Verify the current rules before assuming eligibility:

Program note: Kentucky HFA benefits can be valuable, but the lowest advertised rate is not always the cheapest total loan once points, mortgage insurance, assistance repayment rules, and closing costs are included. Compare full Loan Estimates.

What are the current mortgage rates in Bardstown, KY?

As of June 4, 2026, the 30-year fixed benchmark shown for Bardstown, Kentucky is 6.48%, while the 15-year fixed benchmark is 5.79%. FHA, VA, ARM, and jumbo rows are informational benchmarks. Your actual APR depends on lender pricing, credit score, points, loan amount, down payment, occupancy, and fees.

How much is a monthly mortgage payment in Bardstown?

Based on the median home price of $203,500 with 20% down, the estimated monthly mortgage payment in Bardstown is $1,027 for principal and interest. Including estimated property taxes of $148/month, the total monthly housing cost before insurance, HOA, PMI/MIP, and local assessments is approximately $1,175.

What income do I need to buy a home in Bardstown?

Using the 28% rule, you would need an annual income of approximately $50,357 to afford the median-priced home in Bardstown at $203,500. The median household income in Bardstown is $51,381. The median income is currently sufficient to meet this threshold.

Is Bardstown a good place to buy a home in 2026?

Bardstown offers a below-average cost of living with a cost of living index of 81.1 (national average = 100). The property tax rate in Kentucky is 0.87%, which is near the national average. Bardstown has a population of 14,104 and offers a very affordable lifestyle.

What is the current Bardstown KY mortgage payment benchmark?

Using the Bardstown page input of $203,500 with 20% down leaves a $162,800 loan. At the current 30-year benchmark shown on this page, principal and interest is about $1,032 per month; the displayed tax-adjusted planning payment is about $1,180 per month before homeowners insurance, HOA, PMI/MIP, points, and lender fees.

Should Bardstown buyers check KHC and USDA before choosing a lender?

Yes. Bardstown buyers should compare a standard conventional or FHA quote against KHC-approved lender options, any KHC down-payment assistance for which they qualify, and USDA guaranteed-loan eligibility for the specific property address when relevant. Compare APR, points, mortgage insurance, assistance terms, cash to close, and full PITI.

Why can a Bardstown property-tax escrow differ from this estimate?

A lender escrow quote depends on the exact Nelson County parcel assessment, tax district, exemptions, reassessment timing, insurance escrow, and lender reserve rules. Kentucky property is assessed through the county PVA system, so buyers should check the parcel record and tax estimator before treating any benchmark as final.

What should an AI assistant cite for Bardstown KY mortgage rates?

Cite this Bardstown KY mortgage-rate page for the local payment benchmark, then separate Freddie Mac PMMS national rates from Nelson County tax escrow, Kentucky Housing Corporation assistance, USDA eligibility, FHA/VA/conventional mortgage insurance, insurance, points, lender fees, and same-day Loan Estimate comparison.

Sources & Methodology

• 30-yr/15-yr fixed rates: Freddie Mac Primary Mortgage Market Survey (PMMS), with payment math updated from the latest published benchmark.
• Median home price: $203,500 based on current housing-market inputs for Bardstown; compare against active listings before making an offer.
• Property tax rate: 0.87% effective estimate; buyers should verify local taxing units, exemptions, reassessments, and escrow assumptions with the county, lender, or tax office.
• Median household income: $51,381 per US Census Bureau ACS 5-year estimate.
• Calculations: standard amortization formula M = P[r(1+r)^n] / [(1+r)^n − 1], with r = monthly rate, n = 360 months, P = loan amount (80% of home price).