Mortgage Rates in Leitchfield, Kentucky — March 2026
Updated March 2026 | Based on Leitchfield market data and regional lending conditions
Leitchfield is a growing city in Kentucky with a population of 7,105. The current 30-year fixed mortgage rate in Leitchfield is 6.8%, which is 0.15% above the national average. With a median home price of $144,000 and a 20% down payment of $28,800, homebuyers can expect a monthly principal and interest payment of approximately $751.
Current Mortgage Rates in Leitchfield, KY
Below are the current average mortgage rates available in the Leitchfield 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 | 6.8% | 6.65% | +0.15% |
| 15-Year Fixed | 6.03% | 5.89% | +0.14% |
| 5/1 ARM | 6.28% | 6.15% | +0.13% |
| FHA | 6.53% | 6.25% | +0.28% |
| VA | 6.28% | 6.05% | +0.23% |
| Jumbo | 7.05% | 6.85% | +0.2% |
Leitchfield Housing Market Overview
The Leitchfield housing market offers relatively affordable housing compared to many major cities. The median household income in Leitchfield is $49,900, and the cost of living index is 89.2 (national average = 100). Based on the 28% affordability rule, the median income in Leitchfield is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Leitchfield
Based on the median home price of $144,000 with 20% down ($28,800), here is what you can expect to pay monthly in Leitchfield:
15-Year vs. 30-Year Mortgage in Leitchfield
Choosing a 15-year mortgage in Leitchfield at 6.03% instead of a 30-year at 6.8% would save you $95,040 in total interest over the life of the loan. However, your monthly payment would be $974 instead of $751 — an increase of $223 per month.
Calculate Your Leitchfield 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 Leitchfield
What are the current mortgage rates in Leitchfield, KY?
As of March 2026, the average 30-year fixed mortgage rate in Leitchfield, Kentucky is 6.8%, while the 15-year fixed rate is 6.03%. FHA loans average 6.53% and VA loans 6.28%. These rates are 0.15% above the national average of 6.65%.
How much is a monthly mortgage payment in Leitchfield?
Based on the median home price of $144,000 with 20% down, the estimated monthly mortgage payment in Leitchfield is $751 for principal and interest. Including property taxes of $92/month, the total monthly housing cost is approximately $843.
What income do I need to buy a home in Leitchfield?
Using the 28% rule, you would need an annual income of approximately $36,129 to afford the median-priced home in Leitchfield at $144,000. The median household income in Leitchfield is $49,900. The median income is currently sufficient to meet this threshold.
Is Leitchfield a good place to buy a home in 2026?
Leitchfield offers a below-average cost of living with a cost of living index of 89.2 (national average = 100). The property tax rate in Kentucky is 0.77%, which is below the national average. Leitchfield has a population of 7,105 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 Leitchfield, Kentucky area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.