Mortgage Rates in Elizabethtown, Kentucky — March 2026
Updated March 2026 | Based on Elizabethtown market data and regional lending conditions
Elizabethtown is a growing city in Kentucky with a population of 30,542. The current 30-year fixed mortgage rate in Elizabethtown is 6.18%, which is 0.47% below the national average. With a median home price of $215,000 and a 20% down payment of $43,000, homebuyers can expect a monthly principal and interest payment of approximately $1,051.
Current Mortgage Rates in Elizabethtown, KY
Below are the current average mortgage rates available in the Elizabethtown area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.18% | 6.65% | -0.47% |
| 15-Year Fixed | 5.42% | 5.89% | -0.47% |
| 5/1 ARM | 5.68% | 6.15% | -0.47% |
| FHA | 5.78% | 6.25% | -0.47% |
| VA | 5.58% | 6.05% | -0.47% |
| Jumbo | 6.38% | 6.85% | -0.47% |
Elizabethtown Housing Market Overview
The Elizabethtown housing market offers relatively affordable housing compared to many major cities. The median household income in Elizabethtown is $42,000, and the cost of living index is 84 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $51,643 to comfortably afford the median-priced home in Elizabethtown, which exceeds the current median household income.
Monthly Payment Breakdown for Elizabethtown
Based on the median home price of $215,000 with 20% down ($43,000), here is what you can expect to pay monthly in Elizabethtown:
15-Year vs. 30-Year Mortgage in Elizabethtown
Choosing a 15-year mortgage in Elizabethtown at 5.42% instead of a 30-year at 6.18% would save you $126,720 in total interest over the life of the loan. However, your monthly payment would be $1,398 instead of $1,051 — an increase of $347 per month.
Calculate Your Elizabethtown Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Elizabethtown
What are the current mortgage rates in Elizabethtown, KY?
As of March 2026, the average 30-year fixed mortgage rate in Elizabethtown, Kentucky is 6.18%, while the 15-year fixed rate is 5.42%. FHA loans average 5.78% and VA loans 5.58%. These rates are 0.47% below the national average of 6.65%.
How much is a monthly mortgage payment in Elizabethtown?
Based on the median home price of $215,000 with 20% down, the estimated monthly mortgage payment in Elizabethtown is $1,051 for principal and interest. Including property taxes of $154/month, the total monthly housing cost is approximately $1,205.
What income do I need to buy a home in Elizabethtown?
Using the 28% rule, you would need an annual income of approximately $51,643 to afford the median-priced home in Elizabethtown at $215,000. The median household income in Elizabethtown is $42,000. This means most households would need to either earn above the median or consider homes below $215,000.
Is Elizabethtown a good place to buy a home in 2026?
Elizabethtown offers a below-average cost of living with a cost of living index of 84 (national average = 100). The property tax rate in Kentucky is 0.86%, which is near the national average. Elizabethtown has a population of 30,542 and offers a very affordable lifestyle.
Mortgage Rates in Other Kentucky Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Elizabethtown, Kentucky area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.