Kentucky Housing Affordability Index
Kentucky’s MBR Housing Affordability Index score is 120.1 (Highly Affordable) as of October 13, 2026, ranking 8th most affordable of 51 states, compared with a national score of 97.1. On a median-priced $205,600 home in Kentucky with 20% down, the current 7.46% 30-year fixed rate means a monthly principal and interest payment of about $1,145, or 22% of the state’s $63,726 median household income.
Daily MBR Housing Affordability Index (MBR-HAI) score for Kentucky compared to the national average. Updated every night using live mortgage rates and U.S. Census Bureau income and home value data. A score of 100 equals the national average; higher scores mean homeownership is more affordable.
Housing Affordability Across U.S. States
MBR-HAI score for every state as of October 13, 2026, with Kentucky outlined. Green states are more affordable than the national baseline of 100; red states are less affordable. Hover for the rank; click through to any state.
National baseline = 100 (computed at the 6.5% reference rate). Scores update every morning. Hover any state for its rank; click to open that state's page.
Free to reuse with the citation shown on the image.
Kentucky Affordability Ranking
Kentucky MBR-HAI · 90-Day Trend
Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.
Key Affordability Factors · Kentucky
Source: U.S. Census Bureau American Community Survey and Current Population Survey. Mortgage rate from MBR live rate database.
How Kentucky Ranks Among All States
| Rank | State | MBR-HAI Score | Affordability |
|---|---|---|---|
| ▲ See top 4 states → | |||
| 5 | Iowa | 125.0 | Highly Affordable |
| 6 | Louisiana | 124.5 | Highly Affordable |
| 7 | Indiana | 123.2 | Highly Affordable |
| 8 | Kentucky You are here | 120.1 | Highly Affordable |
| 9 | Kansas | 119.3 | More Affordable Than Avg |
| 10 | Oklahoma | 116.9 | More Affordable Than Avg |
| 11 | Missouri | 115.2 | More Affordable Than Avg |
| ▼ See all 51 state rankings → | |||
Showing states ranked near Kentucky · October 13, 2026 • View complete national rankings →
Download Kentucky HAI Data
2026-10-13,KY,120.1,97.1,7.456
Daily scores for all 51 states, filter by state or date in Excel or Google Sheets.
All States (CSV)Press & Citation Resources · Kentucky
Ready-to-publish sentences using today's Kentucky data, an email template you can send to clients, and direct contact for press inquiries or custom data requests.
Ready-to-Publish Sentences
Each sentence updates daily with the live Kentucky score. Free for editorial use with attribution to MonitorBankRates.
In Kentucky, the MonitorBankRates (MBR) Housing Affordability Index stood at 120.1 on October 13, 2026, ranking #8 of 51 U.S. states for homeownership affordability and indicating highly affordable conditions relative to the national baseline. The state-level reading combines Kentucky's 30-year mortgage rate average of 7.456% with U.S. Census Bureau housing values, household income, property taxes, and cost burden data.
“Kentucky's MonitorBankRates (MBR) Housing Affordability Index score of 120.1 places it #8 of 51 nationwide. Above the 100 baseline, that means buyer purchasing power in Kentucky is stronger than the long-run national average computed at a 6.5% mortgage rate. The state's 30-year average is currently 7.456%, and the index outperforms the national average.”
Brian McKay, MonitorBankRates
🏠 MonitorBankRates (MBR) Housing Affordability Index. Kentucky: 120.1 (Highly Affordable), rank #8 of 51 states. 30-yr mortgage avg: 7.46%. National baseline = 100. Updated daily · via @MonitorBankRates → https://www.monitorbankrates.com/housing-affordability-index/kentucky/
Housing affordability in Kentucky is currently sitting at 120.1 on the MonitorBankRates (MBR) Housing Affordability Index, ranking it #8 of 51 U.S. states. With 100 representing the long-term national baseline at a 6.5% reference rate, Kentucky's 30-year mortgage rate of 7.46% reflects highly affordable conditions for local buyers. The state outperforms the national average as a whole.
Mortgage Broker Email Template
Pre-written client update for Kentucky homebuyers. Personalize the bracketed fields and send.
For Press & Researchers
The Kentucky MBR-HAI is free to cite for editorial, academic, and policy use with attribution. We're happy to provide additional support:
- Custom data cuts: Kentucky metros, MSAs, or historical slices on request
- Embargo-friendly releases: give us 24 hours notice for scheduled coverage
- Background interviews: methodology, market context, or commentary on rate moves
- Direct contact: contact form or reply to any address listed there
For our published citation history and recent media mentions, see MBR in the Press.
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