KY mortgage rates

Calloway County

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

Calloway 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 Calloway 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 Calloway

A local view of the market.

Calloway County, Kentucky, has a diverse real estate market with a median home value of approximately $99,136, which has seen a slight decrease of 0.9% over the past year. This reflects a stable market with potential opportunities for buyers looking for affordable housing options in the region. The county's largest city is Murray, with a population of about 18,189, making it a central hub for economic and cultural activities. Other notable towns include Hazel, with a population of around 400, and smaller communities like Pryorsburg and Dexter, which contribute to the county's rural charm. Living in Calloway County offers a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The presence of Murray State University adds to the educational and cultural landscape, attracting students and professionals alike. The county's scenic rural areas and agricultural opportunities make it appealing for those seeking a quieter lifestyle, while its suburban amenities cater to families and individuals looking for a balanced living environment.

County snapshot

Market context.

KY

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

Market areaMurrayMapped market area
Area code34660CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Calloway County

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

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