A mortgage calculator that knows what state the house is in: principal and interest, plus Kentucky property tax at the state's effective rate (0.72% of value, ACS 2025 medians) and a closing-cost estimate in the CFPB's typical 2–5% range.
Loan: $193,600. Insurance estimated at 0.2% of value per year inside the monthly total.
P&I $1,224 · tax $145 · insurance $40
| Principal & interest / month | $1,224 |
| Property tax / year (0.72% effective) | $1,742 |
| Closing costs (one-time, estimate) | $5,808 |
| Total interest over the term | $246,926 |
The Census Bureau's ACS 2025 medians put Kentucky's typical bill at $1,734 on a $242,000 home — an effective 0.72%. Effective rates blend every local levy into one comparable number; your parcel's assessed value and local rates set the real bill.
Source: U.S. Census Bureau, ACS 2025 1-year estimates (tables B25077/B25103).
The CFPB puts typical buyer closing costs at 2–5% of the loan (origination, appraisal, title, prepaid escrows). The default here is 3% and the field is yours to change — no official schedule exists, and this page will not pretend one does. Kentucky transfer/recording charges sit inside that range for most purchases.
Source: Consumer Financial Protection Bureau, closing-cost guidance.
Property tax. At 0.72%, Kentucky adds $145 a month on the median home — in the highest-tax states that rivals a full percentage point of interest rate.
No — it is the state's median effective rate applied to your price. Assessments, exemptions (homestead and others) and local rates move real bills both ways; the county assessor's figure governs.
Below 20% down, lenders usually add private mortgage insurance (roughly 0.3–1.5% of the loan per year) until you reach ~20% equity. It is not in the default total — add it to the insurance line mentally if it applies.
Kentucky Mortgage Calculator with the costs other calculators skip: on the Kentucky median home ($242,000, ACS 2025), $1,409 a month — $1,224 principal & interest, $145 property tax at the state's 0.72% effective rate, plus closing costs of about $5,808.
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A mortgage calculator for Kentucky that includes Kentucky property tax and a closing-cost estimate alongside principal and interest.
On the median Kentucky home ($242,000): $1,409 a month, of which $145 is property tax.
The state's median tax bill is $1,734 a year (ACS 2025).
An effective 0.72% of value at the ACS medians — $1,734 a year on the median home.
No — they are one-time costs at closing, shown separately.
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