KY mortgage rates

Bath County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Bath County, Kentucky. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Bath County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Bath County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Bath

A local view of the market.

Bath County, Kentucky's real estate market has seen a notable increase in home values over the past year. The median home value in Bath County is approximately $153,660, reflecting a 5.2% rise over the previous year. This growth indicates a strengthening market, making it an attractive area for potential buyers. The county comprises several small cities, with Owingsville being the county seat and one of the most prominent. Owingsville has a population of around 1,500 residents, serving as a central hub for the county's activities. Other notable cities include Sharpsburg and Salt Lick, each contributing to the county's rural charm and community-driven lifestyle. Living in Bath County offers a predominantly rural experience, with a mix of agricultural and suburban life. The county is known for its farming and agricultural industries, which play a significant role in the local economy. Many residents are drawn to Bath County for its peaceful rural environment and the opportunity to engage in farming and outdoor activities. The county's affordable housing and scenic landscapes make it an appealing destination for those looking to escape urban life and enjoy a more tranquil setting.

County snapshot

Market context.

KY

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaMount SterlingMapped market area
Area code34460CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Bath County

Common questions about 2026 loan limits and refinancing opportunities in Kentucky.

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