KY mortgage rates

Boyd County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Boyd 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

Boyd 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 Boyd 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 Boyd

A local view of the market.

Boyd County, Kentucky, has seen a notable increase in its real estate market, with the median home listing price reaching $165,000 as of October 2024, marking a 12.3% increase year-over-year. The average home value in the county is approximately $112,053, reflecting a modest 0.6% rise over the past year. Homes in Boyd County typically go pending in about 15 days, indicating a relatively brisk market. The county's largest city, Ashland, has a population of around 21,000 and serves as a central hub for the region. Catlettsburg, another significant city, has a population of approximately 1,800. These cities contribute to the county's cultural and economic activities, offering a mix of suburban and small-town living experiences. Living in Boyd County offers a blend of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county is characterized by its scenic landscapes and farming communities, alongside suburban neighborhoods. Key industries include healthcare, education, and manufacturing, which attract residents seeking employment opportunities. The area's affordability and quality of life make it an attractive destination for those looking to relocate from more urbanized regions.

County snapshot

Market context.

KY

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

Market areaHuntington-AshlandMapped market area
Area code26580CBSA / MSA reference
Featured communityAshlandFrom the county record
Data year2026Aligned with this limit record
Ashland
Top cities & communities

Communities to explore.

Ashland
Questions & Answers

Refinancing in Boyd County

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

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