Mortgage Rates in Fort Knox, Kentucky — March 2026
Updated March 2026 | Based on Fort Knox market data and regional lending conditions
Fort Knox is a growing city in Kentucky with a population of 12,377. The current 30-year fixed mortgage rate in Fort Knox is 6.76%, which is 0.11% above the national average. With a median home price of $143,000 and a 20% down payment of $28,600, homebuyers can expect a monthly principal and interest payment of approximately $743.
Current Mortgage Rates in Fort Knox, KY
Below are the current average mortgage rates available in the Fort Knox 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 | 6.76% | 6.65% | +0.11% |
| 15-Year Fixed | 6% | 5.89% | +0.11% |
| 5/1 ARM | 6.26% | 6.15% | +0.11% |
| FHA | 6.5% | 6.25% | +0.25% |
| VA | 6.25% | 6.05% | +0.2% |
| Jumbo | 7.01% | 6.85% | +0.16% |
Fort Knox Housing Market Overview
The Fort Knox housing market offers relatively affordable housing compared to many major cities. The median household income in Fort Knox is $53,100, and the cost of living index is 77.8 (national average = 100). Based on the 28% affordability rule, the median income in Fort Knox is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Fort Knox
Based on the median home price of $143,000 with 20% down ($28,600), here is what you can expect to pay monthly in Fort Knox:
15-Year vs. 30-Year Mortgage in Fort Knox
Choosing a 15-year mortgage in Fort Knox at 6% instead of a 30-year at 6.76% would save you $93,780 in total interest over the life of the loan. However, your monthly payment would be $965 instead of $743 — an increase of $222 per month.
Calculate Your Fort Knox 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 Fort Knox
What are the current mortgage rates in Fort Knox, KY?
As of March 2026, the average 30-year fixed mortgage rate in Fort Knox, Kentucky is 6.76%, while the 15-year fixed rate is 6%. FHA loans average 6.5% and VA loans 6.25%. These rates are 0.11% above the national average of 6.65%.
How much is a monthly mortgage payment in Fort Knox?
Based on the median home price of $143,000 with 20% down, the estimated monthly mortgage payment in Fort Knox is $743 for principal and interest. Including property taxes of $97/month, the total monthly housing cost is approximately $840.
What income do I need to buy a home in Fort Knox?
Using the 28% rule, you would need an annual income of approximately $36,000 to afford the median-priced home in Fort Knox at $143,000. The median household income in Fort Knox is $53,100. The median income is currently sufficient to meet this threshold.
Is Fort Knox a good place to buy a home in 2026?
Fort Knox offers a below-average cost of living with a cost of living index of 77.8 (national average = 100). The property tax rate in Kentucky is 0.81%, which is near the national average. Fort Knox has a population of 12,377 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 Fort Knox, Kentucky area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.