Bardstown Mortgage Rates & Closing Costs

  • JUMP TO:
  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Market Conditions & Pricing
  • Time on Market/Property Size
  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Bardstown averaged 7.43% for the week of 2026-11-05, compared to the national average of 7.18% for the same period.

    The average rate for the prior week (2026-10-29) was 7.29% and one month ago for the week of 2026-10-01, the average rate was 7.43%.

    Bardstown's average rate one year ago was 6.22%.

    For refis of the same type during the week of 2026-11-05, the average rate was 7.58%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2026-11-05 7.18%
    Bardstown 30 Year Fixed Rate 2026-11-05 7.43%
    Bardstown 30 Year Fixed Rate Refi 2026-11-05 7.58%
    Bardstown 15 Year Fixed Rate 2026-11-05 6.47%
    Bardstown 15 Year Fixed Rate Refi 2026-11-05 6.47%
    Bardstown 30 Year FHA 2026-11-05 6.82%
    Bardstown 30 Year FHA Refi 2026-11-05 7.13%
    Bardstown 30 Year USDA 2026-11-05 6.8%
    Bardstown 30 Year USDA Refi 2026-11-05 6.9%
    Bardstown 30 Year VA 2026-11-05 6.96%
    Bardstown 30 Year VA Refi 2026-11-05 6.76%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Bardstown, KY.

    Bardstown Top Lenders by Rates & Fees

    The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Bardstown, KY market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

    Name # of Loans 2025 Avg. 30yFix Rate 2025 Avg. Closing Costs
    QUICKEN LOANS, LLC 43 6.61% $5,918
    Abound Federal Credit Union 33 5.92% $3,096
    UNITED WHOLESALE MORTGAGE, LLC 27 6.54% $4,716
    Magnolia Bank 18 6.58% $3,628
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 15 6.77% $4,987
    PNC Bank 11 6.58% $4,023
    L & N Federal Credit Union 9 6.78% $3,006
    UNION HOME MORTGAGE CORP. 7 6.64% $3,988
    SOUTH CENTRAL BANK, INC. 7 6.46% $3,424
    Northpointe Bank 7 6.67% $4,547
    NAVY FEDERAL CREDIT UNION 6 6.92% $3,402
    WesBanco 6 6.25% $4,420
    STOCKTON MORTGAGE CORPORATION 6 6.81% $5,592
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 6.72% $3,656
    First Harrison Bank 5 6.68% $3,840
    PENNYMAC LOAN SERVICES, LLC 5 6.97% $4,776
    JPMorgan Chase Bank 5 6.80% $4,008
    SUCCESS MORTGAGE PARTNERS, INC. 5 6.62% $6,667
    Stock Yards Bank & Trust Company 5 6.58% $3,779
    Community Trust Bank, Inc. 4 6.34% $2,723
    Bank of America 4 5.97% $2,858
    PROVIDENT FUNDING ASSOCIATES, L.P. 4 6.53% $3,895
    U.S. Bank 4 6.87% $3,044
    INTERLINC MORTGAGE SERVICES, LLC 3 7.08% $5,231
    MOVEMENT MORTGAGE, LLC 3 7.46% $6,251
    BAY EQUITY LLC 3 6.91% $5,283
    BROKER SOLUTIONS, INC. 3 6.79% $3,628
    Century Mortgage Company DBA Century Lending Company 3 7.54% $6,262
    CROSSCOUNTRY MORTGAGE, LLC 3 6.77% $5,415
    VANDERBILT MORTGAGE AND FINANCE, INC. 3 7.79% $8,472
    German American Bank 3 6.83% $3,485
    PLAZA HOME MORTGAGE, INC. 3 6.67% $4,543
    The Peoples Bank 2 6.50% $2,462
    ALLIANT CREDIT UNION 2 7.31% $4,251
    EVANSVILLE TEACHERS 2 6.88% $3,346
    Farm Credit Mid-America, ACA 2 6.88% $3,947
    Fifth Third Bank 2 7.56% $2,985
    FIRST ALLIANCE HOME MORTGAGE, LLC 2 6.50% $4,356
    Guardian Savings Bank, A Federal Savings Bank 2 7.00% $1,608
    LENOX FINANCIAL MORTGAGE CORPORATION 2 6.50% $4,327
    Paramount Residential Mortgage Group, Inc. 2 6.68% $3,968
    Prosperity Home Mortgage, LLC 2 6.88% $6,108
    Republic Bank & Trust Company 2 7.94% $3,411
    RUOFF MORTGAGE COMPANY, INC. 2 6.63% $3,186
    The Cecilian Bank 2 7.25% $4,377
    The Loan Store, Inc. 2 6.50% $4,994
    THE MORTGAGE WAREHOUSE,LLC 2 6.69% $3,188
    PARK COMMUNITY CREDIT UNION, INC. 1 5.88% $3,290
    LAKEVIEW LOAN SERVICING, LLC 1 6.99% $3,093
    PIKE CREEK MORTGAGE SERVICES, INC. 1 6.75% $2,675
    HOMESIDE FINANCIAL, LLC 1 7.00% $4,711
    Heritage Federal Credit Union 1 6.88% $2,690
    USAA Federal Savings Bank 1 6.50% $5,460
    Gateway First Bank 1 7.38% $5,088
    First Merchants Bank 1 6.75% $4,437
    AMERISAVE MORTGAGE CORPORATION 1 7.50% $4,328
    ROYAL UNITED MORTGAGE LLC 1 7.00% $7,541
    AMERICAN HERITAGE LENDING, INC. 1 7.00% $10,134
    Servion, Inc. 1 6.88% $3,316
    EVERETT FINANCIAL, INC. 1 6.99% $5,283
    DEEPHAVEN MORTGAGE LLC 1 7.75% $9,539
    CMG MORTGAGE, INC. 1 6.99% $14,167
    CHURCHILL MORTGAGE CORPORATION 1 6.38% $4,136
    T2 FINANCIAL LLC 1 6.63% $4,510
    Wells Fargo Bank 1 6.38% $3,946
    The Federal Savings Bank 1 7.50% $7,425
    The Huntington National Bank 1 6.13% $4,570
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.38% $5,749
    ZILLOW HOME LOANS, LLC 1 7.00% $3,676
    Central Bank 1 5.88% $2,824
    TJC Mortgage, Inc. 1 6.75% $3,305
    Traditional Bank, Inc. 1 4.50% $2,741
    Carrington Mortgage Services, LLC 1 6.63% $5,032
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.99% $6,270
    MYCUMORTGAGE, LLC 1 5.75% $4,317
    MORTGAGE INVESTORS GROUP, INC. 1 5.99% $3,694
    NFM, INC. 1 6.50% $4,883
    Morgan Stanley Private Bank 1 6.61% $2,687
    Paramount Bank 1 6.38% $5,819
    Bank of Buffalo 1 7.00% $4,943

    Bardstown Average Closing Costs & Other Stats

    Bardstown, KY's 80 lenders originated 1,306 loans during 2025. The total origination value was $266,160,000, with an average loan value of $203,798.

    Bardstown's average closing costs are $5,067.

    The top Bardstown lender as defined by loan originations is QUICKEN LOANS, LLC, with 43 loans originated. Their average total fees are $5,918, which is $2,821 higher than the next largest lender, Abound Federal Credit Union.

    The lowest fee Bardstown lenders (with over 10 loans originated) are Abound Federal Credit Union ($3,096), Magnolia Bank ($3,628), PNC Bank ($4,023), UNITED WHOLESALE MORTGAGE, LLC ($4,716) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($4,987).

    The lowest rate Bardstown lenders (with over 10 loans originated) are Abound Federal Credit Union (5.92%), UNITED WHOLESALE MORTGAGE, LLC (6.54%), PNC Bank (6.58%), Magnolia Bank (6.58%) and QUICKEN LOANS, LLC (6.61%).

    Bardstown, KY Mortgage Market Share & Volume

    Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

    Name 2024 Loan Value 2025 Loan Value % Change 2025 Market Share
    QUICKEN LOANS, LLC $14,230,000 $23,075,000 62.2% 8.7%
    UNITED WHOLESALE MORTGAGE, LLC $16,520,000 $21,895,000 32.5% 8.2%
    Abound Federal Credit Union $12,700,000 $16,970,000 33.6% 6.4%
    The Lincoln National Bank of Hodgenville $13,640,000 $14,680,000 7.6% 5.5%
    Wilson & Muir Bank & Trust Company $7,210,000 $12,420,000 72.3% 4.7%
    Town & Country Bank and Trust Company $8,580,000 $12,400,000 44.5% 4.7%
    PNC Bank $3,240,000 $8,350,000 157.7% 3.1%
    Mortgage Research Center, LLC $7,380,000 $7,970,000 8.0% 3.0%
    Magnolia Bank $8,365,000 $7,285,000 -12.9% 2.7%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $5,555,000 $6,500,000 17.0% 2.4%
    UNION HOME MORTGAGE CORP. $3,290,000 $5,965,000 81.3% 2.2%
    Northpointe Bank $5,860,000 $5,365,000 -8.4% 2.0%
    FREEDOM MORTGAGE CORPORATION $5,960,000 $5,145,000 -13.7% 1.9%
    L & N Federal Credit Union $1,655,000 $3,990,000 141.1% 1.5%
    STOCKTON MORTGAGE CORPORATION $7,365,000 $3,680,000 -50.0% 1.4%
    Century Mortgage Company DBA Century Lending Company $2,385,000 $3,515,000 47.4% 1.3%
    Farm Credit Mid-America, ACA $2,700,000 $3,455,000 28.0% 1.3%
    WesBanco $4,060,000 $3,285,000 -19.1% 1.2%
    PENNYMAC LOAN SERVICES, LLC $4,325,000 $2,990,000 -30.9% 1.1%
    Stock Yards Bank & Trust Company $3,250,000 $2,965,000 -8.8% 1.1%
    SOUTH CENTRAL BANK, INC. $3,520,000 $2,785,000 -20.9% 1.0%
    NAVY FEDERAL CREDIT UNION $2,740,000 $2,760,000 0.7% 1.0%
    First Harrison Bank $1,065,000 $2,605,000 144.6% 1.0%
    INTERLINC MORTGAGE SERVICES, LLC $3,815,000 $2,590,000 -32.1% 1.0%
    BROKER SOLUTIONS, INC. $3,540,000 $2,585,000 -27.0% 1.0%
    U.S. Bank $1,300,000 $2,260,000 73.8% 0.8%
    JPMorgan Chase Bank $1,970,000 $2,185,000 10.9% 0.8%
    SUCCESS MORTGAGE PARTNERS, INC. $3,110,000 $2,130,000 -31.5% 0.8%
    Community Trust Bank, Inc. $1,310,000 $2,010,000 53.4% 0.8%
    Paramount Residential Mortgage Group, Inc. $1,245,000 $2,010,000 61.4% 0.8%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,030,000 $1,955,000 89.8% 0.7%
    Equity Prime Mortgage LLC $1,045,000 $1,900,000 81.8% 0.7%
    German American Bank $2,315,000 $1,870,000 -19.2% 0.7%
    MOVEMENT MORTGAGE, LLC $1,690,000 $1,800,000 6.5% 0.7%
    CROSSCOUNTRY MORTGAGE, LLC $1,760,000 $1,720,000 -2.3% 0.6%
    The Loan Store, Inc. $845,000 $1,640,000 94.1% 0.6%
    The Peoples Bank $510,000 $1,635,000 220.6% 0.6%
    PLAZA HOME MORTGAGE, INC. $440,000 $1,630,000 270.5% 0.6%
    BAY EQUITY LLC $280,000 $1,570,000 460.7% 0.6%
    LOANDEPOT.COM, LLC $1,280,000 $1,540,000 20.3% 0.6%
    Prosperity Home Mortgage, LLC $1,790,000 $1,535,000 -14.2% 0.6%
    Bank of America $1,410,000 n/a 0.5%
    USAA Federal Savings Bank $1,530,000 $1,340,000 -12.4% 0.5%
    Fifth Third Bank $1,360,000 $1,230,000 -9.6% 0.5%
    VANDERBILT MORTGAGE AND FINANCE, INC. $830,000 $1,200,000 44.6% 0.5%
    PROVIDENT FUNDING ASSOCIATES, L.P. $225,000 $1,140,000 406.7% 0.4%
    THE MORTGAGE WAREHOUSE,LLC $3,015,000 $1,035,000 -65.7% 0.4%
    AMERISAVE MORTGAGE CORPORATION $800,000 $1,030,000 28.8% 0.4%
    COMMONWEALTH $465,000 $1,030,000 121.5% 0.4%
    AMERICAN FINANCIAL RESOURCES, INC. $1,310,000 $985,000 -24.8% 0.4%
    West Point Bank $610,000 $920,000 50.8% 0.3%
    ALLIANT CREDIT UNION $55,000 $910,000 1,554.5% 0.3%
    GUARANTEED RATE, INC. $860,000 n/a 0.3%
    Republic Bank & Trust Company $1,345,000 $860,000 -36.1% 0.3%
    Ixonia Bank $295,000 $825,000 179.7% 0.3%
    First Financial Bank $95,000 $815,000 757.9% 0.3%
    SPRING EQ, LLC $45,000 $800,000 1,677.8% 0.3%
    EVERETT FINANCIAL, INC. $1,825,000 $775,000 -57.5% 0.3%
    The Cecilian Bank $495,000 $725,000 46.5% 0.3%
    Guardian Savings Bank, A Federal Savings Bank $55,000 $720,000 1,209.1% 0.3%
    CMG MORTGAGE, INC. $725,000 $710,000 -2.1% 0.3%
    Mr. Cooper ( Nationstar Mortgage ) $545,000 $705,000 29.4% 0.3%
    RUOFF MORTGAGE COMPANY, INC. $3,505,000 $705,000 -79.9% 0.3%
    HOMESIDE FINANCIAL, LLC $1,270,000 $685,000 -46.1% 0.3%
    LAKEVIEW LOAN SERVICING, LLC $1,585,000 $685,000 -56.8% 0.3%
    MID AMERICA MORTGAGE, INC. $695,000 $665,000 -4.3% 0.2%
    NEW DAY FINANCIAL, LLC $205,000 $665,000 224.4% 0.2%
    Carrington Mortgage Services, LLC $260,000 $650,000 150.0% 0.2%
    PARK COMMUNITY CREDIT UNION, INC. $1,205,000 $640,000 -46.9% 0.2%
    PIKE CREEK MORTGAGE SERVICES, INC. $625,000 n/a 0.2%
    FIRST ALLIANCE HOME MORTGAGE, LLC $595,000 n/a 0.2%
    Texana Bank $590,000 n/a 0.2%
    CLEARPATH LENDING $660,000 $580,000 -12.1% 0.2%
    Armed Forces Bank $285,000 $570,000 100.0% 0.2%
    LENOX FINANCIAL MORTGAGE CORPORATION $560,000 n/a 0.2%
    Traditional Bank, Inc. $225,000 $545,000 142.2% 0.2%
    EVANSVILLE TEACHERS $1,985,000 $540,000 -72.8% 0.2%
    TJC Mortgage, Inc. $540,000 n/a 0.2%
    ZILLOW HOME LOANS, LLC $510,000 n/a 0.2%
    A&D Mortgage LLC $500,000 n/a 0.2%
    AMERICAN FINANCING CORPORATION $440,000 $495,000 12.5% 0.2%
    UNIVERSITY OF KENTUCKY $625,000 $485,000 -22.4% 0.2%
    Citizens Bank $480,000 n/a 0.2%
    First Merchants Bank $465,000 n/a 0.2%
    NEWREZ LLC $2,210,000 $445,000 -79.9% 0.2%
    21ST MORTGAGE CORPORATION $180,000 $435,000 141.7% 0.2%
    MORTGAGE INVESTORS GROUP, INC. $430,000 n/a 0.2%
    Morgan Stanley Private Bank $415,000 n/a 0.2%
    SUN WEST MORTGAGE COMPANY, INC. $190,000 $410,000 115.8% 0.2%
    Bank of Buffalo $405,000 n/a 0.2%
    PLANET HOME LENDING, LLC $285,000 $405,000 42.1% 0.2%
    VILLAGE CAPITAL MORTGAGE $700,000 $375,000 -46.4% 0.1%
    ROSS MORTGAGE CORPORATION $365,000 n/a 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $360,000 n/a 0.1%
    NFM, INC. $350,000 n/a 0.1%
    GUILD MORTGAGE COMPANY $235,000 $335,000 42.6% 0.1%
    Coastal Community Bank $145,000 $315,000 117.2% 0.1%
    First United Bank and Trust Company $315,000 n/a 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $325,000 $310,000 -4.6% 0.1%
    Gateway First Bank $305,000 n/a 0.1%
    TOP FLITE FINANCIAL, INC. $305,000 n/a 0.1%
    PHH Mortgage Corporation $310,000 $290,000 -6.5% 0.1%
    AmeriHome Mortgage Company, LLC $275,000 n/a 0.1%
    GoPrime Mortgage, Inc. $265,000 n/a 0.1%
    The Dart Bank $265,000 n/a 0.1%
    BETTER MORTGAGE CORPORATION $260,000 n/a 0.1%
    The Huntington National Bank $405,000 $255,000 -37.0% 0.1%
    JMAC LENDING, INC. $245,000 n/a 0.1%
    LEADERONE FINANCIAL CORPORATION $690,000 $230,000 -66.7% 0.1%
    SECURITYNATIONAL MORTGAGE COMPANY $230,000 n/a 0.1%
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. $660,000 $225,000 -65.9% 0.1%
    DEEPHAVEN MORTGAGE LLC $225,000 n/a 0.1%
    Paramount Bank $225,000 n/a 0.1%
    HOMEXPRESS MORTGAGE CORP. $215,000 n/a 0.1%
    T2 FINANCIAL LLC $2,605,000 $215,000 -91.7% 0.1%
    AMERICAN HERITAGE LENDING, INC. $205,000 n/a 0.1%
    Central Bank $105,000 $205,000 95.2% 0.1%
    FIELD & MAIN BANK, INC. $205,000 n/a 0.1%
    Heritage Federal Credit Union $205,000 n/a 0.1%
    Truist $975,000 $200,000 -79.5% 0.1%
    Servion, Inc. $195,000 n/a 0.1%
    Advanz Federal Credit Union $185,000 n/a 0.1%
    LENDINGHOME FUNDING CORPORATION $195,000 $185,000 -5.1% 0.1%
    CHURCHILL MORTGAGE CORPORATION $195,000 $175,000 -10.3% 0.1%
    PREMIER LENDING, INC. $210,000 $175,000 -16.7% 0.1%
    CORNERSTONE HOME LENDING, INC. $165,000 n/a 0.1%
    CREDIT HUMAN FEDERAL CREDIT UNION $105,000 $165,000 57.1% 0.1%
    Figure Lending LLC $55,000 $165,000 200.0% 0.1%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $195,000 $155,000 -20.5% 0.1%
    NEXERA HOLDING LLC $145,000 n/a 0.1%
    The Federal Savings Bank $185,000 $145,000 -21.6% 0.1%
    CLASS ACT FEDERAL CREDIT UNION $80,000 $140,000 75.0% 0.1%
    City National Bank of West Virginia $125,000 n/a 0.0%
    ROYAL UNITED MORTGAGE LLC $90,000 $125,000 38.9% 0.0%
    Wells Fargo Bank $530,000 $125,000 -76.4% 0.0%
    FINANCE OF AMERICA REVERSE LLC $105,000 $115,000 9.5% 0.0%
    MYCUMORTGAGE, LLC $195,000 $105,000 -46.2% 0.0%
    Peoples Bank $245,000 $95,000 -61.2% 0.0%
    Old National Bank $265,000 $75,000 -71.7% 0.0%
    River City Bank, Inc. $1,045,000 $75,000 -92.8% 0.0%
    Southeast Financial Credit Union $75,000 n/a 0.0%
    USAlliance Federal Credit Union $65,000 n/a 0.0%
    Discover Bank $325,000 $55,000 -83.1% 0.0%

    Bardstown's top lender by overall market share is QUICKEN LOANS, LLC, with 8.7% market share. In second place, with 8.2%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $21,895,000 in loans. In third place, with 6.4%, is Abound Federal Credit Union, having originated $16,970,000 in loans. In fourth place, with 5.5%, is The Lincoln National Bank of Hodgenville, having originated $14,680,000 in loans. In fifth place, with 4.7%, is Wilson & Muir Bank & Trust Company, having originated $12,420,000 in loans.

    Bardstown Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Bardstown (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $185,000 (6.4%) $218,108 (0.0%) 0.00 154
    2018-02-01 $183,900 (7.4%) $213,216 (-0.7%) 0.00 156
    2018-03-01 $199,900 (12.7%) $235,839 (6.2%) 0.00 140
    2018-04-01 $199,923 (7.5%) $238,378 (0.5%) 0.00 143
    2018-05-01 $199,900 (5.5%) $242,985 (6.0%) 0.00 142
    2018-06-01 $205,000 (13.9%) $248,361 (7.9%) 0.00 159
    2018-07-01 $216,200 (5.5%) $249,654 (7.9%) 0.00 159
    2018-08-01 $219,900 (10.2%) $254,819 (15.1%) 0.00 165
    2018-09-01 $217,450 (7.4%) $241,761 (8.8%) 0.00 163
    2018-10-01 $194,825 (1.2%) $232,945 (3.1%) 0.00 168
    2018-11-01 $184,950 (-0.9%) $230,306 (0.9%) 0.00 171
    2018-12-01 $179,900 (-3.8%) $224,743 (-0.8%) 0.00 173
    2019-01-01 $182,325 (-1.5%) $223,496 (2.5%) 0.00 180
    2019-02-01 $195,650 (6.4%) $240,171 (12.6%) 0.00 167
    2019-03-01 $204,329 (2.2%) $246,556 (4.5%) 0.00 158
    2019-04-01 $204,829 (2.5%) $248,298 (4.2%) 0.00 154
    2019-05-01 $215,925 (8.0%) $252,700 (4.0%) 0.00 154
    2019-06-01 $214,500 (4.6%) $247,552 (-0.3%) 0.00 172
    2019-07-01 $208,950 (-3.4%) $241,916 (-3.1%) 0.00 171
    2019-08-01 $203,209 (-7.6%) $230,690 (-9.5%) 0.00 173
    2019-09-01 $190,098 (-12.6%) $220,780 (-8.7%) 0.00 173
    2019-10-01 $179,975 (-7.6%) $217,999 (-6.4%) 0.00 176
    2019-11-01 $179,900 (-2.7%) $229,262 (-0.5%) 0.00 178
    2019-12-01 $172,900 (-3.9%) $223,165 (-0.7%) 0.00 167
    2020-01-01 $174,950 (-4.0%) $223,081 (-0.2%) 0.00 151
    2020-02-01 $175,950 (-10.1%) $233,365 (-2.8%) 0.00 126
    2020-03-01 $182,625 (-10.6%) $236,968 (-3.9%) 0.00 130
    2020-04-01 $196,250 (-4.2%) $243,648 (-1.9%) 0.00 121
    2020-05-01 $221,050 (2.4%) $253,062 (0.1%) 0.00 109
    2020-06-01 $235,000 (9.6%) $276,388 (11.7%) 0.00 96
    2020-07-01 $262,175 (25.5%) $292,252 (20.8%) 0.00 79
    2020-08-01 $279,000 (37.3%) $301,157 (30.6%) 0.00 71
    2020-09-01 $267,925 (40.9%) $317,529 (43.8%) 0.00 72
    2020-10-01 $264,225 (46.8%) $308,883 (41.7%) 0.00 80
    2020-11-01 $245,000 (36.2%) $278,864 (21.6%) 0.00 88
    2020-12-01 $244,925 (41.7%) $272,331 (22.0%) 0.00 84
    2021-01-01 $239,000 (36.6%) $264,290 (18.5%) 0.00 75
    2021-02-01 $239,900 (36.4%) $273,775 (17.3%) 0.00 49
    2021-03-01 $235,550 (29.0%) $307,844 (29.9%) 0.00 39
    2021-04-01 $228,200 (16.3%) $377,638 (55.0%) 0.00 36
    2021-05-01 $292,500 (32.3%) $461,132 (82.2%) 0.00 31
    2021-06-01 $270,950 (15.3%) $378,177 (36.8%) 0.00 49
    2021-07-01 $285,000 (8.7%) $374,791 (28.2%) 0.00 63
    2021-08-01 $258,175 (-7.5%) $327,870 (8.9%) 0.00 86
    2021-09-01 $272,400 (1.7%) $345,269 (8.7%) 0.00 87
    2021-10-01 $269,950 (2.2%) $334,001 (8.1%) 0.00 91
    2021-11-01 $272,475 (11.2%) $335,734 (20.4%) 0.00 94
    2021-12-01 $267,475 (9.2%) $341,466 (25.4%) 0.00 83
    2022-01-01 $299,900 (25.5%) $364,973 (38.1%) 0.00 69
    2022-02-01 $289,975 (20.9%) $351,132 (28.3%) 0.00 58
    2022-03-01 $309,838 (31.5%) $364,567 (18.4%) 0.00 54
    2022-04-01 $349,900 (53.3%) $386,651 (2.4%) 0.00 53
    2022-05-01 $299,950 (2.6%) $358,312 (-22.3%) 0.00 83
    2022-06-01 $289,950 (7.0%) $334,909 (-11.4%) 0.00 98
    2022-07-01 $289,950 (1.7%) $317,690 (-15.2%) 0.00 134
    2022-08-01 $287,425 (11.3%) $319,366 (-2.6%) 0.00 152
    2022-09-01 $293,700 (7.8%) $322,986 (-6.5%) 0.00 152
    2022-10-01 $289,000 (7.1%) $316,637 (-5.2%) 0.00 171
    2022-11-01 $284,950 (4.6%) $307,077 (-8.5%) 0.00 169
    2022-12-01 $284,950 (6.5%) $306,204 (-10.3%) 0.00 142
    2023-01-01 $291,200 (-2.9%) $328,656 (-10.0%) 0.00 125
    2023-02-01 $289,938 (0.0%) $326,933 (-6.9%) 0.00 116
    2023-03-01 $289,938 (-6.4%) $321,845 (-11.7%) 0.00 112
    2023-04-01 $285,425 (-18.4%) $325,561 (-15.8%) 0.00 101
    2023-05-01 $289,950 (-3.3%) $351,470 (-1.9%) 0.00 110
    2023-06-01 $289,950 (0.0%) $338,478 (1.1%) 0.00 120
    2023-07-01 $289,950 (0.0%) $336,983 (6.1%) 0.00 98
    2023-08-01 $297,450 (3.5%) $328,319 (2.8%) 0.00 105
    2023-09-01 $314,900 (7.2%) $338,991 (5.0%) 0.00 114
    2023-10-01 $324,963 (12.4%) $345,992 (9.3%) 0.00 126
    2023-11-01 $309,988 (8.8%) $342,425 (11.5%) 0.00 132
    2023-12-01 $305,000 (7.0%) $357,400 (16.7%) 0.00 145
    2024-01-01 $308,675 (6.0%) $362,872 (10.4%) 0.00 132
    2024-02-01 $306,175 (5.6%) $364,932 (11.6%) 0.00 134
    2024-03-01 $314,900 (8.6%) $348,803 (8.4%) 0.00 116
    2024-04-01 $313,675 (9.9%) $350,058 (7.5%) 0.00 119
    2024-05-01 $299,900 (3.4%) $349,085 (-0.7%) 0.00 133
    2024-06-01 $299,900 (3.4%) $342,546 (1.2%) 0.00 131
    2024-07-01 $294,925 (1.7%) $342,022 (1.5%) 0.00 143
    2024-08-01 $299,900 (0.8%) $356,803 (8.7%) 0.00 158
    2024-09-01 $299,900 (-4.8%) $365,932 (8.0%) 0.00 153
    2024-10-01 $299,900 (-7.7%) $365,818 (5.7%) 0.00 149
    2024-11-01 $289,950 (-6.5%) $357,467 (4.4%) 0.00 151
    2024-12-01 $289,975 (-4.9%) $341,706 (-4.4%) 0.00 168
    Bardstown's median listing price for 2024-12-01 was $289,975, a difference of $-15,025 (-4.9%) versus the prior year and $25 versus the prior month.

    Bardstown's median listing price comes in at 0% of the national average.

    Bardstown's average listing price for 2024-12-01 was $341,706, a difference of $-15,694 (-4.4%) versus the prior year and $-15,761 versus the prior month.

    For the 2024-12-01 period, Bardstown had 168 MLS listings, a difference of 17 listings (11%) versus the prior month and 23 listings (16%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Bardstown (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,767 sqft
    2018-02-01 0 days 1,677 sqft
    2018-03-01 0 days 1,760 sqft
    2018-04-01 0 days 1,787 sqft
    2018-05-01 0 days 1,751 sqft
    2018-06-01 0 days 1,792 sqft
    2018-07-01 0 days 1,927 sqft
    2018-08-01 0 days 1,934 sqft
    2018-09-01 0 days 1,795 sqft
    2018-10-01 0 days 1,689 sqft
    2018-11-01 0 days 1,637 sqft
    2018-12-01 0 days 1,558 sqft
    2019-01-01 0 days 1,550 sqft
    2019-02-01 0 days 1,669 sqft
    2019-03-01 0 days 1,689 sqft
    2019-04-01 0 days 1,683 sqft
    2019-05-01 0 days 1,785 sqft
    2019-06-01 0 days 1,800 sqft
    2019-07-01 0 days 1,797 sqft
    2019-08-01 0 days 1,686 sqft
    2019-09-01 0 days 1,536 sqft
    2019-10-01 0 days 1,442 sqft
    2019-11-01 0 days 1,478 sqft
    2019-12-01 0 days 1,400 sqft
    2020-01-01 0 days 1,400 sqft
    2020-02-01 0 days 1,500 sqft
    2020-03-01 0 days 1,620 sqft
    2020-04-01 0 days 1,651 sqft
    2020-05-01 0 days 1,745 sqft
    2020-06-01 0 days 1,794 sqft
    2020-07-01 0 days 1,864 sqft
    2020-08-01 0 days 1,869 sqft
    2020-09-01 0 days 1,900 sqft
    2020-10-01 0 days 1,748 sqft
    2020-11-01 0 days 1,671 sqft
    2020-12-01 0 days 1,653 sqft
    2021-01-01 0 days 1,659 sqft
    2021-02-01 0 days 1,731 sqft
    2021-03-01 0 days 1,841 sqft
    2021-04-01 0 days 1,825 sqft
    2021-05-01 0 days 2,168 sqft
    2021-06-01 0 days 1,884 sqft
    2021-07-01 0 days 1,805 sqft
    2021-08-01 0 days 1,751 sqft
    2021-09-01 0 days 1,773 sqft
    2021-10-01 0 days 1,800 sqft
    2021-11-01 0 days 1,764 sqft
    2021-12-01 0 days 1,728 sqft
    2022-01-01 0 days 1,800 sqft
    2022-02-01 0 days 1,764 sqft
    2022-03-01 0 days 1,800 sqft
    2022-04-01 0 days 1,762 sqft
    2022-05-01 0 days 1,676 sqft
    2022-06-01 0 days 1,645 sqft
    2022-07-01 0 days 1,500 sqft
    2022-08-01 0 days 1,517 sqft
    2022-09-01 0 days 1,592 sqft
    2022-10-01 0 days 1,524 sqft
    2022-11-01 0 days 1,525 sqft
    2022-12-01 0 days 1,510 sqft
    2023-01-01 0 days 1,541 sqft
    2023-02-01 0 days 1,522 sqft
    2023-03-01 0 days 1,503 sqft
    2023-04-01 0 days 1,503 sqft
    2023-05-01 0 days 1,522 sqft
    2023-06-01 0 days 1,522 sqft
    2023-07-01 0 days 1,524 sqft
    2023-08-01 0 days 1,551 sqft
    2023-09-01 0 days 1,650 sqft
    2023-10-01 0 days 1,652 sqft
    2023-11-01 0 days 1,591 sqft
    2023-12-01 0 days 1,529 sqft
    2024-01-01 0 days 1,529 sqft
    2024-02-01 0 days 1,528 sqft
    2024-03-01 0 days 1,562 sqft
    2024-04-01 0 days 1,561 sqft
    2024-05-01 0 days 1,564 sqft
    2024-06-01 0 days 1,564 sqft
    2024-07-01 0 days 1,534 sqft
    2024-08-01 0 days 1,552 sqft
    2024-09-01 0 days 1,580 sqft
    2024-10-01 0 days 1,574 sqft
    2024-11-01 0 days 1,522 sqft
    2024-12-01 0 days 1,501 sqft
    Bardstown's median listing age (time on market) for 2024-12-01 was 0 days.

    Bardstown's median square footage for active listings during the 2024-12-01 period was 1,501 sqft. One year prior, the average listing was 1,529 sqft.

    Bardstown, KY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 670 $164,860,000 $246,060
    Refi 216 $49,480,000 $229,074
    Cash Out Refi 177 $30,645,000 $173,136
    Other 142 $10,740,000 $75,634
    Home Improvement 101 $10,435,000 $103,317

    Bardstown's most frequently cited loan purpose was Home Purchase, with 670 originations. The 2nd most popular reason was Refi, with 216 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 537 $132,525,000 $246,788
    7-8% 197 $33,595,000 $170,533
    5-6% 178 $43,670,000 $245,337
    Over 8% 129 $10,275,000 $79,651
    3-4% 30 $1,100,000 $36,667
    4-5% 18 $3,060,000 $170,000
    <2.5% 12 $660,000 $55,000
    2.5-3% 1 $165,000 $165,000

    During 2025, Bardstown's most frequently originated rate bucket was 6-7%, with 537 originations.

    Loan Sizing (Bardstown, KY MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 540 $147,650,000 $273,426
    $100k-200k 346 $52,350,000 $151,301
    $100,000 or less 325 $17,175,000 $52,846
    $400k-600k 81 $37,835,000 $467,099
    $600k-1000k 12 $8,620,000 $718,333
    $Over $1MM 2 $2,530,000 $1,265,000

    Bardstown's loan sizing saw the bucket of loans from $200k-400k with 540 originations, totaling $147,650,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 429 $118,895,000 $277,145
    60-80% 203 $50,755,000 $250,025
    20-40% 168 $16,590,000 $98,750
    Under 20% 157 $6,165,000 $39,268
    40-60% 103 $21,155,000 $205,388
    Over 100% 16 $4,570,000 $285,625

    Bardstown's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 429 originations, totaling $118,895,000 in origination value.