Louisville, KY Mortgage Calculator
Calculate your estimated mortgage payment for a home in Louisville, KY. Pre-filled with Louisville's average home price of $235,000, local property tax rate of 0.92%, and typical insurance costs.
$235,000
Avg. Home Price
0.92%
Property Tax Rate
$2,000
Avg. Annual Insurance
-
Est. Monthly Payment (PITI)
$1,535.12
? Monthly payment PITI with taxes & insurance included
$767.56
? Bi-weekly payment PITI if paid every other week
March 2056
? The date of the last payment
December 2052
? The date of the last bi-weekly payment
$239,783.64
? Total interest paid
$191,223.25
? Total interest paid if bi-weekly payments made
$180.17
? Monthly property tax paid (included in above PITI payment)
$166.67
? Monthly Home Insurance paid (included in above PITI payment)
| Payment | Interest | Principal | Balance |
|---|
| April 2026 | $1,018 | $170 | $187,830 |
| May 2026 | $1,017 | $171 | $187,659 |
| June 2026 | $1,016 | $172 | $187,487 |
| July 2026 | $1,016 | $173 | $187,315 |
| August 2026 | $1,015 | $174 | $187,141 |
| September 2026 | $1,014 | $175 | $186,966 |
| October 2026 | $1,013 | $176 | $186,791 |
| November 2026 | $1,012 | $177 | $186,614 |
| December 2026 | $1,011 | $177 | $186,437 |
| 2026 | $10,141 | $1,742 | $186,258 |
| January 2027 | $1,010 | $178 | $186,258 |
| February 2027 | $1,009 | $179 | $186,079 |
| March 2027 | $1,008 | $180 | $185,899 |
| April 2027 | $1,007 | $181 | $185,717 |
| May 2027 | $1,006 | $182 | $185,535 |
| June 2027 | $1,005 | $183 | $185,352 |
| July 2027 | $1,004 | $184 | $185,167 |
| August 2027 | $1,003 | $185 | $184,982 |
| September 2027 | $1,002 | $186 | $184,796 |
| October 2027 | $1,001 | $187 | $184,609 |
| November 2027 | $1,000 | $188 | $184,420 |
| December 2027 | $999 | $189 | $184,231 |
| 2027 | $12,041 | $2,218 | $184,040 |
| January 2028 | $998 | $190 | $184,040 |
| February 2028 | $997 | $191 | $183,849 |
| March 2028 | $996 | $192 | $183,657 |
| April 2028 | $995 | $193 | $183,463 |
| May 2028 | $994 | $195 | $183,269 |
| June 2028 | $993 | $196 | $183,073 |
| July 2028 | $992 | $197 | $182,876 |
| August 2028 | $991 | $198 | $182,679 |
| September 2028 | $990 | $199 | $182,480 |
| October 2028 | $988 | $200 | $182,280 |
| November 2028 | $987 | $201 | $182,079 |
| December 2028 | $986 | $202 | $181,877 |
| 2028 | $11,893 | $2,367 | $181,674 |
| January 2029 | $985 | $203 | $181,674 |
| February 2029 | $984 | $204 | $181,470 |
| March 2029 | $983 | $205 | $181,264 |
| April 2029 | $982 | $206 | $181,058 |
| May 2029 | $981 | $208 | $180,850 |
| June 2029 | $980 | $209 | $180,642 |
| July 2029 | $978 | $210 | $180,432 |
| August 2029 | $977 | $211 | $180,221 |
| September 2029 | $976 | $212 | $180,009 |
| October 2029 | $975 | $213 | $179,796 |
| November 2029 | $974 | $214 | $179,581 |
| December 2029 | $973 | $216 | $179,366 |
| 2029 | $11,734 | $2,525 | $179,149 |
| January 2030 | $972 | $217 | $179,149 |
| February 2030 | $970 | $218 | $178,931 |
| March 2030 | $969 | $219 | $178,712 |
| April 2030 | $968 | $220 | $178,492 |
| May 2030 | $967 | $221 | $178,270 |
| June 2030 | $966 | $223 | $178,048 |
| July 2030 | $964 | $224 | $177,824 |
| August 2030 | $963 | $225 | $177,599 |
| September 2030 | $962 | $226 | $177,372 |
| October 2030 | $961 | $228 | $177,145 |
| November 2030 | $960 | $229 | $176,916 |
| December 2030 | $958 | $230 | $176,686 |
| 2030 | $11,565 | $2,694 | $176,455 |
| January 2031 | $957 | $231 | $176,455 |
| February 2031 | $956 | $232 | $176,222 |
| March 2031 | $955 | $234 | $175,989 |
| April 2031 | $953 | $235 | $175,754 |
| May 2031 | $952 | $236 | $175,517 |
| June 2031 | $951 | $238 | $175,280 |
| July 2031 | $949 | $239 | $175,041 |
| August 2031 | $948 | $240 | $174,801 |
| September 2031 | $947 | $241 | $174,559 |
| October 2031 | $946 | $243 | $174,317 |
| November 2031 | $944 | $244 | $174,072 |
| December 2031 | $943 | $245 | $173,827 |
| 2031 | $11,385 | $2,875 | $173,580 |
| January 2032 | $942 | $247 | $173,580 |
| February 2032 | $940 | $248 | $173,332 |
| March 2032 | $939 | $249 | $173,083 |
| April 2032 | $938 | $251 | $172,832 |
| May 2032 | $936 | $252 | $172,580 |
| June 2032 | $935 | $253 | $172,327 |
| July 2032 | $933 | $255 | $172,072 |
| August 2032 | $932 | $256 | $171,815 |
| September 2032 | $931 | $258 | $171,558 |
| October 2032 | $929 | $259 | $171,299 |
| November 2032 | $928 | $260 | $171,038 |
| December 2032 | $926 | $262 | $170,777 |
| 2032 | $11,192 | $3,067 | $170,513 |
| January 2033 | $925 | $263 | $170,513 |
| February 2033 | $924 | $265 | $170,249 |
| March 2033 | $922 | $266 | $169,983 |
| April 2033 | $921 | $268 | $169,715 |
| May 2033 | $919 | $269 | $169,446 |
| June 2033 | $918 | $270 | $169,176 |
| July 2033 | $916 | $272 | $168,904 |
| August 2033 | $915 | $273 | $168,630 |
| September 2033 | $913 | $275 | $168,355 |
| October 2033 | $912 | $276 | $168,079 |
| November 2033 | $910 | $278 | $167,801 |
| December 2033 | $909 | $279 | $167,522 |
| 2033 | $10,987 | $3,272 | $167,241 |
| January 2034 | $907 | $281 | $167,241 |
| February 2034 | $906 | $282 | $166,958 |
| March 2034 | $904 | $284 | $166,675 |
| April 2034 | $903 | $285 | $166,389 |
| May 2034 | $901 | $287 | $166,102 |
| June 2034 | $900 | $289 | $165,814 |
| July 2034 | $898 | $290 | $165,523 |
| August 2034 | $897 | $292 | $165,232 |
| September 2034 | $895 | $293 | $164,938 |
| October 2034 | $893 | $295 | $164,644 |
| November 2034 | $892 | $296 | $164,347 |
| December 2034 | $890 | $298 | $164,049 |
| 2034 | $10,768 | $3,492 | $163,749 |
| January 2035 | $889 | $300 | $163,749 |
| February 2035 | $887 | $301 | $163,448 |
| March 2035 | $885 | $303 | $163,145 |
| April 2035 | $884 | $305 | $162,840 |
| May 2035 | $882 | $306 | $162,534 |
| June 2035 | $880 | $308 | $162,226 |
| July 2035 | $879 | $310 | $161,917 |
| August 2035 | $877 | $311 | $161,606 |
| September 2035 | $875 | $313 | $161,293 |
| October 2035 | $874 | $315 | $160,978 |
| November 2035 | $872 | $316 | $160,662 |
| December 2035 | $870 | $318 | $160,344 |
| 2035 | $10,534 | $3,725 | $160,024 |
| January 2036 | $869 | $320 | $160,024 |
| February 2036 | $867 | $321 | $159,702 |
| March 2036 | $865 | $323 | $159,379 |
| April 2036 | $863 | $325 | $159,054 |
| May 2036 | $862 | $327 | $158,727 |
| June 2036 | $860 | $329 | $158,399 |
| July 2036 | $858 | $330 | $158,069 |
| August 2036 | $856 | $332 | $157,736 |
| September 2036 | $854 | $334 | $157,403 |
| October 2036 | $853 | $336 | $157,067 |
| November 2036 | $851 | $338 | $156,729 |
| December 2036 | $849 | $339 | $156,390 |
| 2036 | $10,285 | $3,975 | $156,049 |
| January 2037 | $847 | $341 | $156,049 |
| February 2037 | $845 | $343 | $155,706 |
| March 2037 | $843 | $345 | $155,361 |
| April 2037 | $842 | $347 | $155,014 |
| May 2037 | $840 | $349 | $154,666 |
| June 2037 | $838 | $351 | $154,315 |
| July 2037 | $836 | $352 | $153,963 |
| August 2037 | $834 | $354 | $153,608 |
| September 2037 | $832 | $356 | $153,252 |
| October 2037 | $830 | $358 | $152,894 |
| November 2037 | $828 | $360 | $152,534 |
| December 2037 | $826 | $362 | $152,172 |
| 2037 | $10,018 | $4,241 | $151,808 |
| January 2038 | $824 | $364 | $151,808 |
| February 2038 | $822 | $366 | $151,442 |
| March 2038 | $820 | $368 | $151,074 |
| April 2038 | $818 | $370 | $150,704 |
| May 2038 | $816 | $372 | $150,332 |
| June 2038 | $814 | $374 | $149,958 |
| July 2038 | $812 | $376 | $149,582 |
| August 2038 | $810 | $378 | $149,204 |
| September 2038 | $808 | $380 | $148,824 |
| October 2038 | $806 | $382 | $148,442 |
| November 2038 | $804 | $384 | $148,057 |
| December 2038 | $802 | $386 | $147,671 |
| 2038 | $9,734 | $4,525 | $147,283 |
| January 2039 | $800 | $388 | $147,283 |
| February 2039 | $798 | $391 | $146,892 |
| March 2039 | $796 | $393 | $146,499 |
| April 2039 | $794 | $395 | $146,105 |
| May 2039 | $791 | $397 | $145,708 |
| June 2039 | $789 | $399 | $145,309 |
| July 2039 | $787 | $401 | $144,908 |
| August 2039 | $785 | $403 | $144,504 |
| September 2039 | $783 | $406 | $144,099 |
| October 2039 | $781 | $408 | $143,691 |
| November 2039 | $778 | $410 | $143,281 |
| December 2039 | $776 | $412 | $142,869 |
| 2039 | $9,431 | $4,828 | $142,454 |
| January 2040 | $774 | $414 | $142,454 |
| February 2040 | $772 | $417 | $142,038 |
| March 2040 | $769 | $419 | $141,619 |
| April 2040 | $767 | $421 | $141,198 |
| May 2040 | $765 | $423 | $140,774 |
| June 2040 | $763 | $426 | $140,348 |
| July 2040 | $760 | $428 | $139,920 |
| August 2040 | $758 | $430 | $139,490 |
| September 2040 | $756 | $433 | $139,057 |
| October 2040 | $753 | $435 | $138,622 |
| November 2040 | $751 | $437 | $138,185 |
| December 2040 | $749 | $440 | $137,745 |
| 2040 | $9,108 | $5,152 | $137,303 |
| January 2041 | $746 | $442 | $137,303 |
| February 2041 | $744 | $445 | $136,858 |
| March 2041 | $741 | $447 | $136,411 |
| April 2041 | $739 | $449 | $135,962 |
| May 2041 | $736 | $452 | $135,510 |
| June 2041 | $734 | $454 | $135,056 |
| July 2041 | $732 | $457 | $134,599 |
| August 2041 | $729 | $459 | $134,140 |
| September 2041 | $727 | $462 | $133,678 |
| October 2041 | $724 | $464 | $133,214 |
| November 2041 | $722 | $467 | $132,747 |
| December 2041 | $719 | $469 | $132,278 |
| 2041 | $8,763 | $5,497 | $131,806 |
| January 2042 | $717 | $472 | $131,806 |
| February 2042 | $714 | $474 | $131,332 |
| March 2042 | $711 | $477 | $130,855 |
| April 2042 | $709 | $479 | $130,375 |
| May 2042 | $706 | $482 | $129,893 |
| June 2042 | $704 | $485 | $129,409 |
| July 2042 | $701 | $487 | $128,921 |
| August 2042 | $698 | $490 | $128,431 |
| September 2042 | $696 | $493 | $127,939 |
| October 2042 | $693 | $495 | $127,443 |
| November 2042 | $690 | $498 | $126,945 |
| December 2042 | $688 | $501 | $126,445 |
| 2042 | $8,395 | $5,865 | $125,941 |
| January 2043 | $685 | $503 | $125,941 |
| February 2043 | $682 | $506 | $125,435 |
| March 2043 | $679 | $509 | $124,926 |
| April 2043 | $677 | $512 | $124,415 |
| May 2043 | $674 | $514 | $123,900 |
| June 2043 | $671 | $517 | $123,383 |
| July 2043 | $668 | $520 | $122,863 |
| August 2043 | $666 | $523 | $122,341 |
| September 2043 | $663 | $526 | $121,815 |
| October 2043 | $660 | $528 | $121,286 |
| November 2043 | $657 | $531 | $120,755 |
| December 2043 | $654 | $534 | $120,221 |
| 2043 | $8,002 | $6,258 | $119,684 |
| January 2044 | $651 | $537 | $119,684 |
| February 2044 | $648 | $540 | $119,144 |
| March 2044 | $645 | $543 | $118,601 |
| April 2044 | $642 | $546 | $118,055 |
| May 2044 | $639 | $549 | $117,506 |
| June 2044 | $636 | $552 | $116,954 |
| July 2044 | $634 | $555 | $116,400 |
| August 2044 | $630 | $558 | $115,842 |
| September 2044 | $627 | $561 | $115,281 |
| October 2044 | $624 | $564 | $114,717 |
| November 2044 | $621 | $567 | $114,150 |
| December 2044 | $618 | $570 | $113,580 |
| 2044 | $7,583 | $6,677 | $113,007 |
| January 2045 | $615 | $573 | $113,007 |
| February 2045 | $612 | $576 | $112,431 |
| March 2045 | $609 | $579 | $111,852 |
| April 2045 | $606 | $582 | $111,269 |
| May 2045 | $603 | $586 | $110,684 |
| June 2045 | $600 | $589 | $110,095 |
| July 2045 | $596 | $592 | $109,503 |
| August 2045 | $593 | $595 | $108,908 |
| September 2045 | $590 | $598 | $108,310 |
| October 2045 | $587 | $602 | $107,708 |
| November 2045 | $583 | $605 | $107,103 |
| December 2045 | $580 | $608 | $106,495 |
| 2045 | $7,136 | $7,124 | $105,884 |
| January 2046 | $577 | $611 | $105,884 |
| February 2046 | $574 | $615 | $105,269 |
| March 2046 | $570 | $618 | $104,651 |
| April 2046 | $567 | $621 | $104,029 |
| May 2046 | $563 | $625 | $103,405 |
| June 2046 | $560 | $628 | $102,776 |
| July 2046 | $557 | $632 | $102,145 |
| August 2046 | $553 | $635 | $101,510 |
| September 2046 | $550 | $638 | $100,871 |
| October 2046 | $546 | $642 | $100,229 |
| November 2046 | $543 | $645 | $99,584 |
| December 2046 | $539 | $649 | $98,935 |
| 2046 | $6,659 | $7,601 | $98,283 |
| January 2047 | $536 | $652 | $98,283 |
| February 2047 | $532 | $656 | $97,627 |
| March 2047 | $529 | $659 | $96,967 |
| April 2047 | $525 | $663 | $96,304 |
| May 2047 | $522 | $667 | $95,638 |
| June 2047 | $518 | $670 | $94,967 |
| July 2047 | $514 | $674 | $94,294 |
| August 2047 | $511 | $678 | $93,616 |
| September 2047 | $507 | $681 | $92,935 |
| October 2047 | $503 | $685 | $92,250 |
| November 2047 | $500 | $689 | $91,561 |
| December 2047 | $496 | $692 | $90,869 |
| 2047 | $6,150 | $8,110 | $90,173 |
| January 2048 | $492 | $696 | $90,173 |
| February 2048 | $488 | $700 | $89,473 |
| March 2048 | $485 | $704 | $88,769 |
| April 2048 | $481 | $707 | $88,062 |
| May 2048 | $477 | $711 | $87,351 |
| June 2048 | $473 | $715 | $86,636 |
| July 2048 | $469 | $719 | $85,917 |
| August 2048 | $465 | $723 | $85,194 |
| September 2048 | $461 | $727 | $84,467 |
| October 2048 | $458 | $731 | $83,736 |
| November 2048 | $454 | $735 | $83,001 |
| December 2048 | $450 | $739 | $82,263 |
| 2048 | $5,606 | $8,653 | $81,520 |
| January 2049 | $446 | $743 | $81,520 |
| February 2049 | $442 | $747 | $80,773 |
| March 2049 | $438 | $751 | $80,022 |
| April 2049 | $433 | $755 | $79,268 |
| May 2049 | $429 | $759 | $78,509 |
| June 2049 | $425 | $763 | $77,746 |
| July 2049 | $421 | $767 | $76,978 |
| August 2049 | $417 | $771 | $76,207 |
| September 2049 | $413 | $775 | $75,432 |
| October 2049 | $409 | $780 | $74,652 |
| November 2049 | $404 | $784 | $73,868 |
| December 2049 | $400 | $788 | $73,080 |
| 2049 | $5,027 | $9,232 | $72,287 |
| January 2050 | $396 | $792 | $72,287 |
| February 2050 | $392 | $797 | $71,491 |
| March 2050 | $387 | $801 | $70,690 |
| April 2050 | $383 | $805 | $69,884 |
| May 2050 | $379 | $810 | $69,075 |
| June 2050 | $374 | $814 | $68,260 |
| July 2050 | $370 | $819 | $67,442 |
| August 2050 | $365 | $823 | $66,619 |
| September 2050 | $361 | $827 | $65,791 |
| October 2050 | $356 | $832 | $64,959 |
| November 2050 | $352 | $836 | $64,123 |
| December 2050 | $347 | $841 | $63,282 |
| 2050 | $4,409 | $9,851 | $62,437 |
| January 2051 | $343 | $846 | $62,437 |
| February 2051 | $338 | $850 | $61,587 |
| March 2051 | $334 | $855 | $60,732 |
| April 2051 | $329 | $859 | $59,873 |
| May 2051 | $324 | $864 | $59,009 |
| June 2051 | $320 | $869 | $58,140 |
| July 2051 | $315 | $873 | $57,267 |
| August 2051 | $310 | $878 | $56,388 |
| September 2051 | $305 | $883 | $55,506 |
| October 2051 | $301 | $888 | $54,618 |
| November 2051 | $296 | $892 | $53,725 |
| December 2051 | $291 | $897 | $52,828 |
| 2051 | $3,749 | $10,511 | $51,926 |
| January 2052 | $286 | $902 | $51,926 |
| February 2052 | $281 | $907 | $51,019 |
| March 2052 | $276 | $912 | $50,107 |
| April 2052 | $271 | $917 | $49,190 |
| May 2052 | $266 | $922 | $48,268 |
| June 2052 | $261 | $927 | $47,342 |
| July 2052 | $256 | $932 | $46,410 |
| August 2052 | $251 | $937 | $45,473 |
| September 2052 | $246 | $942 | $44,531 |
| October 2052 | $241 | $947 | $43,584 |
| November 2052 | $236 | $952 | $42,632 |
| December 2052 | $231 | $957 | $41,674 |
| 2052 | $3,045 | $11,214 | $40,712 |
| January 2053 | $226 | $963 | $40,712 |
| February 2053 | $221 | $968 | $39,744 |
| March 2053 | $215 | $973 | $38,771 |
| April 2053 | $210 | $978 | $37,793 |
| May 2053 | $205 | $984 | $36,809 |
| June 2053 | $199 | $989 | $35,820 |
| July 2053 | $194 | $994 | $34,826 |
| August 2053 | $189 | $1,000 | $33,826 |
| September 2053 | $183 | $1,005 | $32,821 |
| October 2053 | $178 | $1,011 | $31,811 |
| November 2053 | $172 | $1,016 | $30,795 |
| December 2053 | $167 | $1,021 | $29,773 |
| 2053 | $2,294 | $11,965 | $28,746 |
| January 2054 | $161 | $1,027 | $28,746 |
| February 2054 | $156 | $1,033 | $27,714 |
| March 2054 | $150 | $1,038 | $26,675 |
| April 2054 | $144 | $1,044 | $25,632 |
| May 2054 | $139 | $1,049 | $24,582 |
| June 2054 | $133 | $1,055 | $23,527 |
| July 2054 | $127 | $1,061 | $22,466 |
| August 2054 | $122 | $1,067 | $21,400 |
| September 2054 | $116 | $1,072 | $20,327 |
| October 2054 | $110 | $1,078 | $19,249 |
| November 2054 | $104 | $1,084 | $18,165 |
| December 2054 | $98 | $1,090 | $17,075 |
| 2054 | $1,493 | $12,767 | $15,979 |
| January 2055 | $92 | $1,096 | $15,979 |
| February 2055 | $87 | $1,102 | $14,878 |
| March 2055 | $81 | $1,108 | $13,770 |
| April 2055 | $75 | $1,114 | $12,656 |
| May 2055 | $69 | $1,120 | $11,536 |
| June 2055 | $62 | $1,126 | $10,411 |
| July 2055 | $56 | $1,132 | $9,279 |
| August 2055 | $50 | $1,138 | $8,141 |
| September 2055 | $44 | $1,144 | $6,996 |
| October 2055 | $38 | $1,150 | $5,846 |
| November 2055 | $32 | $1,157 | $4,689 |
| December 2055 | $25 | $1,163 | $3,527 |
| 2055 | $638 | $13,622 | $2,357 |
| January 2056 | $19 | $1,169 | $2,357 |
| February 2056 | $13 | $1,176 | $1,182 |
| March 2056 | $6 | $1,182 | $0 |
| 2056 | $19 | $2,357 | $0 |
Louisville, KY Mortgage Overview
The average home in Louisville costs around $235,000. With a 20% down payment of $47,000, you would need a loan of $188,000.
Louisville homeowners pay a property tax rate of approximately 0.92%, which translates to about $2,162 per year on the average home. Annual homeowners insurance in Louisville averages around $2,000.
What Affects Your Louisville Mortgage Payment?
Your monthly PITI payment in Louisville includes four components:
- Principal — the portion that reduces your loan balance
- Interest — the cost of borrowing, based on your rate and remaining balance
- Taxes — Louisville’s property taxes average 0.92%, higher than the Kentucky state average of 0.86%
- Insurance — homeowners insurance in Louisville averages $2,000/year
Tips for Louisville Home Buyers
- Compare rates from multiple Louisville lenders — even a 0.25% rate difference can save tens of thousands over the life of your loan
- Check your credit score before applying — a higher score means better rates
- Consider bi-weekly payments — paying every two weeks instead of monthly can shave years off your mortgage
- Factor in PMI — if your down payment is less than 20%, you’ll pay Private Mortgage Insurance until you reach 80% loan-to-value
- Look at Louisville first-time buyer programs — many Kentucky cities offer down payment assistance or reduced rates for first-time buyers
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