Paducah Mortgage Rates & Closing Costs

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    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Paducah averaged 6.83% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

    The average rate for the prior week (2025-03-27) was 6.84% and one month ago for the week of 2025-02-27, the average rate was 6.65%.

    Paducah's average rate one year ago was 6.98%.

    For refis of the same type during the week of 2025-04-03, the average rate was 6.84%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-03 6.64%
    Paducah 30 Year Fixed Rate 2025-04-03 6.83%
    Paducah 30 Year Fixed Rate Refi 2025-04-03 6.84%
    Paducah 15 Year Fixed Rate 2025-04-03 5.92%
    Paducah 15 Year Fixed Rate Refi 2025-04-03 5.92%
    Paducah 30 Year FHA 2025-04-03 6.34%
    Paducah 30 Year FHA Refi 2025-04-03 6.46%
    Paducah 30 Year USDA 2025-04-03 6.12%
    Paducah 30 Year USDA Refi 2025-04-03 6.32%
    Paducah 30 Year VA 2025-04-03 6.3%
    Paducah 30 Year VA Refi 2025-04-03 5.96%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Paducah, KY-IL.

    Paducah 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 Paducah, KY-IL 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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    GERSHMAN INVESTMENT CORP. 34 6.68% $3,554
    QUICKEN LOANS, LLC 30 6.81% $5,242
    U.S. Bank 27 6.79% $3,820
    Independence Bank of Kentucky 27 6.66% $3,338
    UNITED WHOLESALE MORTGAGE, LLC 26 6.73% $5,162
    Regions Bank 23 6.88% $3,620
    STOCKTON MORTGAGE CORPORATION 18 6.98% $4,915
    EVERETT FINANCIAL, INC. 16 7.01% $4,723
    Community Mortgage Banc Corporation 16 6.59% $3,156
    Old National Bank 12 6.21% $3,636
    Magnolia Bank 12 6.82% $3,487
    JPMorgan Chase Bank 6 6.79% $3,407
    NAVY FEDERAL CREDIT UNION 6 7.00% $3,596
    VANDERBILT MORTGAGE AND FINANCE, INC. 6 7.93% $5,583
    Wells Fargo Bank 6 6.75% $4,979
    RUOFF MORTGAGE COMPANY, INC. 5 7.08% $3,497
    Truist 5 6.86% $4,231
    SIU 4 5.94% $1,972
    UNION HOME MORTGAGE CORP. 4 6.84% $3,305
    DAS Acquisition Company, LLC 3 7.20% $3,986
    Renasant Bank 3 6.71% $3,907
    LOANDEPOT.COM, LLC 3 6.98% $5,193
    CapStar Bank 3 6.33% $2,963
    21ST MORTGAGE CORPORATION 2 8.82% $7,270
    BROKER SOLUTIONS, INC. 2 7.31% $6,409
    EVANSVILLE TEACHERS 2 6.31% $3,275
    FirstBank 2 8.33% $3,844
    FirstTrust Home Loans, Inc. 2 6.43% $2,928
    FLAT BRANCH MORTGAGE, INC. 2 7.38% $3,678
    Mr. Cooper ( Nationstar Mortgage ) 2 6.56% $5,728
    MUTUAL OF OMAHA MORTGAGE, INC. 2 7.25% $12,973
    River Valley AgCredit, ACA 2 7.08% $6,562
    ROYAL UNITED MORTGAGE LLC 2 6.81% $4,456
    Ixonia Bank 1 7.63% $5,683
    First Federal Bank 1 7.00% $3,525
    FIRST COMMUNITY MORTGAGE, INC. 1 6.13% $4,322
    First Citizens National Bank 1 5.88% $2,407
    MORIA DEVELOPMENT, INC. 1 6.62% $6,587
    MORTGAGE INVESTORS GROUP, INC. 1 6.99% $3,304
    Mortgage Research Center, LLC 1 7.13% $2,115
    ASCEND FEDERAL CREDIT UNION 1 6.38% $3,498
    M&T Bank 1 7.50% $6,144
    American Mortgage & Equity Consultants, Inc. 1 7.38% $9,200
    First American Bank 1 6.50% $3,391
    NEWREZ LLC 1 6.88% $6,978
    Fifth Third Bank 1 6.49% $3,997
    PENNYMAC LOAN SERVICES, LLC 1 7.50% $3,617
    PENTAGON FEDERAL CREDIT UNION 1 7.00% $2,400
    PLAZA HOME MORTGAGE, INC. 1 7.88% $3,994
    PNC Bank 1 6.50% $4,992
    PREMIA MORTGAGE, LLC 1 7.13% $3,320
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.13% $5,937
    CROSSCOUNTRY MORTGAGE, LLC 1 6.50% $4,625
    COMPEER FINANCIAL, FLCA 1 7.50% $1,602
    ALTRA 1 7.35% $4,002
    ZILLOW HOME LOANS, LLC 1 7.00% $4,551
    CMG MORTGAGE, INC. 1 10.50% $6,067
    S1L, Inc. 1 7.38% $4,936
    SIRVA MORTGAGE, INC. 1 6.63% $0
    Citizens Bank 1 6.50% $4,193
    CALCON MUTUAL MORTGAGE LLC 1 6.63% $4,194
    SWBC MORTGAGE CORPORATION 1 5.63% $3,625
    TOWNE MORTGAGE COMPANY 1 6.75% $3,333
    BMO Harris Bank 1 6.38% $5,211
    UBS Bank USA 1 6.75% $4,311
    BETTER MORTGAGE CORPORATION 1 6.38% $2,293
    Bank of Tennessee 1 6.63% $11,631
    USAA Federal Savings Bank 1 6.50% $4,541
    FREEDOM MORTGAGE CORPORATION 1 7.00% $3,170
    Flagstar Bank, FSB 1 8.00% $3,056
    GUILD MORTGAGE COMPANY 1 6.99% $3,321
    First Mid Bank & Trust 1 6.13% $2,664

    Paducah Average Closing Costs & Other Stats

    Paducah, KY-IL's 72 lenders originated 1,430 loans during 2024. The total origination value was $246,280,000, with an average loan value of $172,224.

    Paducah's average closing costs are $4,198.

    The top Paducah lender as defined by loan originations is GERSHMAN INVESTMENT CORP., with 34 loans originated. Their average total fees are $3,554, which is $1,688 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Paducah lenders (with over 10 loans originated) are Community Mortgage Banc Corporation ($3,156), Independence Bank of Kentucky ($3,338), Magnolia Bank ($3,487), GERSHMAN INVESTMENT CORP. ($3,554) and Regions Bank ($3,620).

    The lowest rate Paducah lenders (with over 10 loans originated) are Old National Bank (6.21%), Community Mortgage Banc Corporation (6.59%), Independence Bank of Kentucky (6.66%), GERSHMAN INVESTMENT CORP. (6.68%) and UNITED WHOLESALE MORTGAGE, LLC (6.73%).

    Paducah, KY-IL 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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    The Paducah Bank and Trust Company $30,655,000 $35,960,000 17.3% 14.6%
    Independence Bank of Kentucky $20,520,000 $20,875,000 1.7% 8.5%
    QUICKEN LOANS, LLC $14,570,000 $13,100,000 -10.1% 5.3%
    U.S. Bank $10,005,000 $12,850,000 28.4% 5.2%
    GERSHMAN INVESTMENT CORP. $9,560,000 $12,240,000 28.0% 5.0%
    Mortgage Research Center, LLC $8,475,000 $11,830,000 39.6% 4.8%
    UNITED WHOLESALE MORTGAGE, LLC $4,690,000 $10,195,000 117.4% 4.1%
    Regions Bank $9,895,000 $9,850,000 -0.5% 4.0%
    EVERETT FINANCIAL, INC. $10,275,000 $8,710,000 -15.2% 3.5%
    FNB Bank, Inc. $9,460,000 $8,065,000 -14.7% 3.3%
    STOCKTON MORTGAGE CORPORATION $10,465,000 $5,330,000 -49.1% 2.2%
    Old National Bank $3,870,000 n/a 1.6%
    Community Mortgage Banc Corporation $2,730,000 $3,700,000 35.5% 1.5%
    Magnolia Bank $2,250,000 $3,585,000 59.3% 1.5%
    PENNYMAC LOAN SERVICES, LLC $1,160,000 $3,195,000 175.4% 1.3%
    NAVY FEDERAL CREDIT UNION $615,000 $2,920,000 374.8% 1.2%
    LOANDEPOT.COM, LLC $3,150,000 $2,895,000 -8.1% 1.2%
    VANDERBILT MORTGAGE AND FINANCE, INC. $1,775,000 $2,735,000 54.1% 1.1%
    21ST MORTGAGE CORPORATION $1,860,000 $2,555,000 37.4% 1.0%
    RUOFF MORTGAGE COMPANY, INC. $2,865,000 $2,465,000 -14.0% 1.0%
    Truist $2,460,000 $2,320,000 -5.7% 0.9%
    USAA Federal Savings Bank $1,475,000 $2,200,000 49.2% 0.9%
    FREEDOM MORTGAGE CORPORATION $980,000 $1,920,000 95.9% 0.8%
    Presidential Bank, FSB $1,900,000 n/a 0.8%
    Renasant Bank $715,000 $1,705,000 138.5% 0.7%
    Mr. Cooper ( Nationstar Mortgage ) $1,910,000 $1,545,000 -19.1% 0.6%
    UNION HOME MORTGAGE CORP. $505,000 $1,540,000 205.0% 0.6%
    DAS Acquisition Company, LLC $565,000 $1,535,000 171.7% 0.6%
    Farmers Bank and Trust Company $710,000 $1,405,000 97.9% 0.6%
    JPMorgan Chase Bank $200,000 $1,375,000 587.5% 0.6%
    NEW DAY FINANCIAL, LLC $380,000 $1,320,000 247.4% 0.5%
    Banterra Bank $1,860,000 $1,205,000 -35.2% 0.5%
    BROKER SOLUTIONS, INC. $755,000 $1,095,000 45.0% 0.4%
    Heritage Federal Credit Union $1,085,000 n/a 0.4%
    River Valley AgCredit, ACA $2,520,000 $1,060,000 -57.9% 0.4%
    TOP FLITE FINANCIAL, INC. $340,000 $1,020,000 200.0% 0.4%
    MUTUAL OF OMAHA MORTGAGE, INC. $1,275,000 $1,015,000 -20.4% 0.4%
    The Federal Savings Bank $480,000 $1,000,000 108.3% 0.4%
    Wells Fargo Bank $710,000 $955,000 34.5% 0.4%
    PNC Bank $185,000 $910,000 391.9% 0.4%
    CROSSCOUNTRY MORTGAGE, LLC $180,000 $870,000 383.3% 0.4%
    VILLAGE CAPITAL MORTGAGE $1,085,000 $870,000 -19.8% 0.4%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $380,000 $825,000 117.1% 0.3%
    NEWREZ LLC $495,000 $800,000 61.6% 0.3%
    CapStar Bank $1,665,000 $790,000 -52.6% 0.3%
    GUILD MORTGAGE COMPANY $765,000 n/a 0.3%
    BMO Harris Bank $755,000 n/a 0.3%
    FLAT BRANCH MORTGAGE, INC. $935,000 $755,000 -19.3% 0.3%
    PREMIA MORTGAGE, LLC $730,000 n/a 0.3%
    AMERISAVE MORTGAGE CORPORATION $2,590,000 $665,000 -74.3% 0.3%
    MORIA DEVELOPMENT, INC. $640,000 n/a 0.3%
    LAKEVIEW LOAN SERVICING, LLC $85,000 $615,000 623.5% 0.2%
    EVANSVILLE TEACHERS $460,000 $555,000 20.7% 0.2%
    DOMINION FINANCIAL SERVICES, LLC $200,000 $550,000 175.0% 0.2%
    Equity Prime Mortgage LLC $295,000 $530,000 79.7% 0.2%
    T2 FINANCIAL LLC $485,000 $505,000 4.1% 0.2%
    AMERICAN FINANCING CORPORATION $445,000 $500,000 12.4% 0.2%
    HOMESIDE FINANCIAL, LLC $710,000 $480,000 -32.4% 0.2%
    SIU $170,000 $480,000 182.4% 0.2%
    ROYAL UNITED MORTGAGE LLC $300,000 $460,000 53.3% 0.2%
    CANOPY MORTGAGE, LLC $445,000 n/a 0.2%
    UBS Bank USA $275,000 $445,000 61.8% 0.2%
    GUARANTEED RATE, INC. $225,000 $440,000 95.6% 0.2%
    TOWNE MORTGAGE COMPANY $360,000 $440,000 22.2% 0.2%
    SOUTH CENTRAL BANK, INC. $435,000 n/a 0.2%
    FIRST COMMUNITY MORTGAGE, INC. $410,000 n/a 0.2%
    ACOPIA, LLC $450,000 $400,000 -11.1% 0.2%
    Coastal Community Bank $50,000 $400,000 700.0% 0.2%
    First Financial Bank $670,000 $395,000 -41.0% 0.2%
    Plains Commerce Bank $115,000 $375,000 226.1% 0.2%
    FirstBank $25,000 $365,000 1,360.0% 0.1%
    ZILLOW HOME LOANS, LLC $250,000 $350,000 40.0% 0.1%
    First Federal Bank $305,000 $345,000 13.1% 0.1%
    Discover Bank $615,000 $335,000 -45.5% 0.1%
    Fifth Third Bank $370,000 $310,000 -16.2% 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $305,000 n/a 0.1%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $295,000 $305,000 3.4% 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $305,000 n/a 0.1%
    SIRVA MORTGAGE, INC. $305,000 n/a 0.1%
    Bank of Tennessee $295,000 n/a 0.1%
    American Mortgage & Equity Consultants, Inc. $285,000 n/a 0.1%
    LENDINGHOME FUNDING CORPORATION $310,000 $280,000 -9.7% 0.1%
    BancorpSouth $265,000 n/a 0.1%
    Century Mortgage Company DBA Century Lending Company $265,000 n/a 0.1%
    Carrington Mortgage Services, LLC $320,000 $255,000 -20.3% 0.1%
    Citizens Bank $655,000 $250,000 -61.8% 0.1%
    ALLIED MORTGAGE GROUP, INC. $235,000 n/a 0.1%
    MOVEMENT MORTGAGE, LLC $350,000 $235,000 -32.9% 0.1%
    BAYSHORE MORTGAGE FUNDING, LLC $225,000 n/a 0.1%
    Farm Credit Mid-America, ACA $965,000 $225,000 -76.7% 0.1%
    Ixonia Bank $220,000 n/a 0.1%
    Legence Bank $725,000 $220,000 -69.7% 0.1%
    OCMBC, INC. $155,000 $215,000 38.7% 0.1%
    PHH Mortgage Corporation $35,000 $215,000 514.3% 0.1%
    PLANET HOME LENDING, LLC $125,000 $215,000 72.0% 0.1%
    Legends Bank $205,000 n/a 0.1%
    MYCUMORTGAGE, LLC $390,000 $205,000 -47.4% 0.1%
    Planters Bank, Inc. $165,000 $205,000 24.2% 0.1%
    Barrington Bank & Trust Company, N.A. $470,000 $200,000 -57.4% 0.1%
    ALTRA $195,000 n/a 0.1%
    First Citizens National Bank $195,000 n/a 0.1%
    First Mid Bank & Trust $195,000 n/a 0.1%
    The Bradford National Bank of Greenville $115,000 $195,000 69.6% 0.1%
    CALCON MUTUAL MORTGAGE LLC $185,000 n/a 0.1%
    M&T Bank $165,000 n/a 0.1%
    PENTAGON FEDERAL CREDIT UNION $305,000 $165,000 -45.9% 0.1%
    PLAZA HOME MORTGAGE, INC. $165,000 n/a 0.1%
    BETTER MORTGAGE CORPORATION $400,000 $155,000 -61.3% 0.1%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $155,000 n/a 0.1%
    Prosperity Home Mortgage, LLC $770,000 $155,000 -79.9% 0.1%
    Cumberland Valley National Bank & Trust Company $145,000 n/a 0.1%
    First Southern National Bank $145,000 n/a 0.1%
    DEEPHAVEN MORTGAGE LLC $255,000 $135,000 -47.1% 0.1%
    Flagstar Bank, FSB $245,000 $135,000 -44.9% 0.1%
    Bank of America $375,000 $130,000 -65.3% 0.1%
    CLEARPATH LENDING $125,000 n/a 0.1%
    GVC MORTGAGE, INC. $125,000 n/a 0.1%
    PREMIER MORTGAGE RESOURCES, L.L.C. $125,000 n/a 0.1%
    FirstTrust Home Loans, Inc. $3,355,000 $120,000 -96.4% 0.0%
    ASCEND FEDERAL CREDIT UNION $115,000 n/a 0.0%
    CIS Financial Services, Inc. $230,000 $115,000 -50.0% 0.0%
    CMG MORTGAGE, INC. $420,000 $105,000 -75.0% 0.0%
    COMMONWEALTH $105,000 n/a 0.0%
    SWBC MORTGAGE CORPORATION $105,000 n/a 0.0%
    Cornerstone First Mortgage, Inc $95,000 n/a 0.0%
    First American Bank $95,000 n/a 0.0%
    S1L, Inc. $95,000 n/a 0.0%
    AMWEST FUNDING CORP. $85,000 n/a 0.0%
    MORTGAGE INVESTORS GROUP, INC. $135,000 $85,000 -37.0% 0.0%
    Southern Bank $75,000 n/a 0.0%
    MEMBER FIRST MORTGAGE, LLC $65,000 n/a 0.0%
    ASHLAND Credit Union $55,000 n/a 0.0%
    Central Bank $55,000 n/a 0.0%
    COMPEER FINANCIAL, FLCA $55,000 n/a 0.0%
    Fortera Federal Credit Union $55,000 n/a 0.0%
    Illinois State Police Federal Credit Union $45,000 n/a 0.0%
    Park Lane Finance Solutions, LLC $15,000 $45,000 200.0% 0.0%
    Home Loan Investment Bank, F.S.B. $25,000 n/a 0.0%

    Paducah's top lender by overall market share is The Paducah Bank and Trust Company, with 14.6% market share. In second place, with 8.5%, is Independence Bank of Kentucky, having originated $20,875,000 in loans. In third place, with 5.3%, is QUICKEN LOANS, LLC, having originated $13,100,000 in loans. In fourth place, with 5.2%, is U.S. Bank, having originated $12,850,000 in loans. In fifth place, with 5.0%, is GERSHMAN INVESTMENT CORP., having originated $12,240,000 in loans.

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

    Realtor.com - Paducah (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 $134,900 (-3.2%) $172,507 (-8.2%) 0.00 576
    2018-02-01 $130,400 (-6.8%) $168,064 (-10.6%) 0.00 574
    2018-03-01 $139,950 (0.0%) $173,304 (-7.8%) 0.00 597
    2018-04-01 $144,000 (-0.7%) $176,895 (-8.4%) 0.00 606
    2018-05-01 $144,000 (-1.2%) $181,936 (-6.4%) 0.00 636
    2018-06-01 $141,450 (-3.8%) $183,752 (-3.8%) 0.00 643
    2018-07-01 $139,175 (-7.2%) $178,381 (-6.8%) 0.00 660
    2018-08-01 $135,000 (-8.8%) $175,995 (-6.4%) 0.00 637
    2018-09-01 $134,900 (-3.6%) $175,828 (-4.3%) 0.00 622
    2018-10-01 $134,950 (-6.9%) $179,621 (-2.8%) 0.00 602
    2018-11-01 $135,000 (-3.5%) $179,989 (1.4%) 0.00 587
    2018-12-01 $144,200 (3.1%) $190,460 (8.1%) 0.00 534
    2019-01-01 $144,300 (7.0%) $192,272 (11.5%) 0.00 516
    2019-02-01 $144,400 (10.7%) $194,909 (16.0%) 0.00 531
    2019-03-01 $142,757 (2.0%) $194,875 (12.5%) 0.00 559
    2019-04-01 $139,900 (-2.9%) $192,546 (8.9%) 0.00 570
    2019-05-01 $142,200 (-1.3%) $199,434 (9.6%) 0.00 571
    2019-06-01 $139,900 (-1.1%) $203,082 (10.5%) 0.00 591
    2019-07-01 $139,900 (0.5%) $203,601 (14.1%) 0.00 592
    2019-08-01 $141,823 (5.1%) $207,452 (17.9%) 0.00 586
    2019-09-01 $144,707 (7.3%) $208,943 (18.8%) 0.00 574
    2019-10-01 $146,950 (8.9%) $209,938 (16.9%) 0.00 566
    2019-11-01 $149,000 (10.4%) $212,207 (17.9%) 0.00 543
    2019-12-01 $150,000 (4.0%) $218,611 (14.8%) 0.00 496
    2020-01-01 $139,925 (-3.0%) $211,960 (10.2%) 0.00 469
    2020-02-01 $139,000 (-3.7%) $214,521 (10.1%) 0.00 398
    2020-03-01 $144,950 (1.5%) $224,979 (15.5%) 0.00 400
    2020-04-01 $143,450 (2.5%) $225,846 (17.3%) 0.00 375
    2020-05-01 $145,000 (2.0%) $220,208 (10.4%) 0.00 329
    2020-06-01 $155,700 (11.3%) $227,078 (11.8%) 0.00 321
    2020-07-01 $161,075 (15.1%) $226,786 (11.4%) 0.00 320
    2020-08-01 $159,900 (12.8%) $226,102 (9.0%) 0.00 300
    2020-09-01 $139,675 (-3.5%) $213,566 (2.2%) 0.00 288
    2020-10-01 $141,400 (-3.8%) $209,374 (-0.3%) 0.00 289
    2020-11-01 $139,900 (-6.1%) $208,233 (-1.9%) 0.00 261
    2020-12-01 $145,175 (-3.2%) $215,524 (-1.4%) 0.00 250
    2021-01-01 $139,900 (0.0%) $213,793 (0.9%) 0.00 231
    2021-02-01 $139,450 (0.3%) $211,714 (-1.3%) 0.00 211
    2021-03-01 $132,450 (-8.6%) $198,056 (-12.0%) 0.00 178
    2021-04-01 $140,900 (-1.8%) $211,528 (-6.3%) 0.00 160
    2021-05-01 $149,450 (3.1%) $212,561 (-3.5%) 0.00 159
    2021-06-01 $136,225 (-12.5%) $240,066 (5.7%) 0.00 164
    2021-07-01 $139,900 (-13.2%) $256,508 (13.1%) 0.00 164
    2021-08-01 $149,900 (-6.3%) $258,878 (14.5%) 0.00 159
    2021-09-01 $129,450 (-7.3%) $233,801 (9.5%) 0.00 157
    2021-10-01 $138,900 (-1.8%) $226,388 (8.1%) 0.00 155
    2021-11-01 $139,900 (0.0%) $255,260 (22.6%) 0.00 156
    2021-12-01 $122,500 (-15.6%) $202,381 (-6.1%) 0.00 146
    2022-01-01 $125,000 (-10.7%) $209,838 (-1.9%) 0.00 133
    2022-02-01 $135,646 (-2.7%) $208,372 (-1.6%) 0.00 128
    2022-03-01 $129,950 (-1.9%) $249,714 (26.1%) 0.00 149
    2022-04-01 $129,900 (-7.8%) $222,637 (5.3%) 0.00 153
    2022-05-01 $138,650 (-7.2%) $226,500 (6.6%) 0.00 158
    2022-06-01 $139,925 (2.7%) $228,975 (-4.6%) 0.00 169
    2022-07-01 $159,000 (13.7%) $246,545 (-3.9%) 0.00 175
    2022-08-01 $174,725 (16.6%) $244,574 (-5.5%) 0.00 169
    2022-09-01 $184,500 (42.5%) $235,737 (0.8%) 0.00 176
    2022-10-01 $214,900 (54.7%) $250,850 (10.8%) 0.00 172
    2022-11-01 $203,450 (45.4%) $259,752 (1.8%) 0.00 171
    2022-12-01 $200,000 (63.3%) $261,998 (29.5%) 0.00 171
    2023-01-01 $219,950 (76.0%) $265,471 (26.5%) 0.00 144
    2023-02-01 $220,888 (62.8%) $263,829 (26.6%) 0.00 144
    2023-03-01 $211,225 (62.5%) $260,380 (4.3%) 0.00 144
    2023-04-01 $218,900 (68.5%) $278,152 (24.9%) 0.00 138
    2023-05-01 $217,475 (56.9%) $285,374 (26.0%) 0.00 141
    2023-06-01 $229,950 (64.3%) $291,931 (27.5%) 0.00 155
    2023-07-01 $244,950 (54.1%) $289,079 (17.3%) 0.00 173
    2023-08-01 $254,000 (45.4%) $298,922 (22.2%) 0.00 176
    2023-09-01 $238,500 (29.3%) $289,994 (23.0%) 0.00 183
    2023-10-01 $230,000 (7.0%) $289,726 (15.5%) 0.00 189
    2023-11-01 $235,750 (15.9%) $307,828 (18.5%) 0.00 189
    2023-12-01 $250,000 (25.0%) $302,644 (15.5%) 0.00 177
    2024-01-01 $269,950 (22.7%) $300,720 (13.3%) 0.00 168
    2024-02-01 $279,750 (26.7%) $300,044 (13.7%) 0.00 172
    2024-03-01 $275,000 (30.2%) $310,302 (19.2%) 0.00 168
    2024-04-01 $254,900 (16.5%) $307,308 (10.5%) 0.00 173
    2024-05-01 $271,950 (25.1%) $314,449 (10.2%) 0.00 182
    2024-06-01 $269,450 (17.2%) $320,062 (9.6%) 0.00 206
    2024-07-01 $266,750 (8.9%) $322,288 (11.5%) 0.00 220
    2024-08-01 $239,950 (-5.5%) $308,622 (3.3%) 0.00 240
    2024-09-01 $254,450 (6.7%) $318,696 (9.9%) 0.00 242
    2024-10-01 $249,900 (8.7%) $328,564 (13.4%) 0.00 251
    2024-11-01 $239,950 (1.8%) $323,117 (5.0%) 0.00 250
    2024-12-01 $249,950 (0.0%) $323,823 (7.0%) 0.00 239
    2025-01-01 $249,950 (-7.4%) $321,115 (6.8%) 0.00 225
    2025-02-01 $254,950 (-8.9%) $324,565 (8.2%) 0.00 215
    2025-03-01 $264,950 (-3.7%) $321,800 (3.7%) 0.00 214
    Paducah's median listing price for 2025-03-01 was $264,950, a difference of $-10,050 (-3.7%) versus the prior year and $10,000 versus the prior month.

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

    Paducah's average listing price for 2025-03-01 was $321,800, a difference of $11,498 (3.7%) versus the prior year and $-2,765 versus the prior month.

    For the 2025-03-01 period, Paducah had 214 MLS listings, a difference of -1 listings (0%) versus the prior month and 46 listings (27%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Paducah (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,770 sqft
    2018-02-01 0 days 1,710 sqft
    2018-03-01 0 days 1,777 sqft
    2018-04-01 0 days 1,793 sqft
    2018-05-01 0 days 1,798 sqft
    2018-06-01 0 days 1,800 sqft
    2018-07-01 0 days 1,799 sqft
    2018-08-01 0 days 1,795 sqft
    2018-09-01 0 days 1,776 sqft
    2018-10-01 0 days 1,753 sqft
    2018-11-01 0 days 1,755 sqft
    2018-12-01 0 days 1,823 sqft
    2019-01-01 0 days 1,824 sqft
    2019-02-01 0 days 1,794 sqft
    2019-03-01 0 days 1,776 sqft
    2019-04-01 0 days 1,733 sqft
    2019-05-01 0 days 1,721 sqft
    2019-06-01 0 days 1,736 sqft
    2019-07-01 0 days 1,713 sqft
    2019-08-01 0 days 1,748 sqft
    2019-09-01 0 days 1,775 sqft
    2019-10-01 0 days 1,798 sqft
    2019-11-01 0 days 1,800 sqft
    2019-12-01 0 days 1,899 sqft
    2020-01-01 0 days 1,766 sqft
    2020-02-01 0 days 1,733 sqft
    2020-03-01 0 days 1,803 sqft
    2020-04-01 0 days 1,812 sqft
    2020-05-01 0 days 1,832 sqft
    2020-06-01 0 days 1,836 sqft
    2020-07-01 0 days 1,872 sqft
    2020-08-01 0 days 1,793 sqft
    2020-09-01 0 days 1,700 sqft
    2020-10-01 0 days 1,696 sqft
    2020-11-01 0 days 1,696 sqft
    2020-12-01 0 days 1,735 sqft
    2021-01-01 0 days 1,787 sqft
    2021-02-01 0 days 1,742 sqft
    2021-03-01 0 days 1,685 sqft
    2021-04-01 0 days 1,763 sqft
    2021-05-01 0 days 1,696 sqft
    2021-06-01 0 days 1,608 sqft
    2021-07-01 0 days 1,696 sqft
    2021-08-01 0 days 1,782 sqft
    2021-09-01 0 days 1,633 sqft
    2021-10-01 0 days 1,603 sqft
    2021-11-01 0 days 1,556 sqft
    2021-12-01 0 days 1,452 sqft
    2022-01-01 0 days 1,500 sqft
    2022-02-01 0 days 1,372 sqft
    2022-03-01 0 days 1,404 sqft
    2022-04-01 0 days 1,480 sqft
    2022-05-01 0 days 1,458 sqft
    2022-06-01 0 days 1,488 sqft
    2022-07-01 0 days 1,580 sqft
    2022-08-01 0 days 1,581 sqft
    2022-09-01 0 days 1,596 sqft
    2022-10-01 0 days 1,719 sqft
    2022-11-01 0 days 1,748 sqft
    2022-12-01 0 days 1,795 sqft
    2023-01-01 0 days 1,821 sqft
    2023-02-01 0 days 1,740 sqft
    2023-03-01 0 days 1,769 sqft
    2023-04-01 0 days 1,728 sqft
    2023-05-01 0 days 1,730 sqft
    2023-06-01 0 days 1,771 sqft
    2023-07-01 0 days 1,812 sqft
    2023-08-01 0 days 1,863 sqft
    2023-09-01 0 days 1,835 sqft
    2023-10-01 0 days 1,837 sqft
    2023-11-01 0 days 1,912 sqft
    2023-12-01 0 days 1,873 sqft
    2024-01-01 0 days 1,953 sqft
    2024-02-01 0 days 1,934 sqft
    2024-03-01 0 days 1,974 sqft
    2024-04-01 0 days 1,808 sqft
    2024-05-01 0 days 1,982 sqft
    2024-06-01 0 days 1,920 sqft
    2024-07-01 0 days 1,981 sqft
    2024-08-01 0 days 1,900 sqft
    2024-09-01 0 days 1,978 sqft
    2024-10-01 0 days 1,912 sqft
    2024-11-01 0 days 1,805 sqft
    2024-12-01 0 days 1,849 sqft
    2025-01-01 0 days 1,845 sqft
    2025-02-01 0 days 1,907 sqft
    2025-03-01 0 days 1,944 sqft
    Paducah's median listing age (time on market) for 2025-03-01 was 0 days.

    Paducah's median square footage for active listings during the 2025-03-01 period was 1,944 sqft. One year prior, the average listing was 1,974 sqft.

    Paducah, KY-IL Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 921 $178,535,000 $193,849
    Refi 176 $29,700,000 $168,750
    Cash Out Refi 142 $22,470,000 $158,239
    Home Improvement 97 $8,575,000 $88,402
    Other 94 $7,000,000 $74,468

    Paducah's most frequently cited loan purpose was Home Purchase, with 921 originations. The 2nd most popular reason was Refi, with 176 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 489 $94,285,000 $192,812
    7-8% 247 $45,275,000 $183,300
    Over 8% 220 $19,230,000 $87,409
    5-6% 134 $28,610,000 $213,507
    3-4% 22 $200,000 $9,091
    <2.5% 8 $40,000 $5,000
    4-5% 6 $1,020,000 $170,000
    2.5-3% 1 $155,000 $155,000

    During 2024, Paducah's most frequently originated rate bucket was 6-7%, with 489 originations.

    Loan Sizing (Paducah, KY-IL MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 505 $73,525,000 $145,594
    $100,000 or less 487 $28,125,000 $57,752
    $200k-400k 360 $97,160,000 $269,889
    $400k-600k 56 $26,500,000 $473,214
    $600k-1000k 17 $12,745,000 $749,706
    $Over $1MM 5 $8,225,000 $1,645,000

    Paducah's loan sizing saw the bucket of loans from $100k-200k with 505 originations, totaling $73,525,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 545 $108,305,000 $198,725
    60-80% 203 $37,785,000 $186,133
    Under 20% 124 $7,580,000 $61,129
    20-40% 112 $9,720,000 $86,786
    40-60% 104 $15,940,000 $153,269
    Over 100% 23 $4,845,000 $210,652

    Paducah's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 545 originations, totaling $108,305,000 in origination value.