KY mortgage rates

Clay County

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

Clay 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 Clay 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 Clay

A local view of the market.

The real estate market in Clay County, Kentucky, has seen a modest increase in home values over the past year. The average home value in the county is approximately $102,504, reflecting a 4.9% rise from the previous year. This indicates a stable and gradually appreciating market, which may attract potential buyers looking for affordable housing options. Clay County's largest city is Manchester, which serves as the county seat and has a population of around 1,500 residents. This small city is central to the county's economic and social activities. Other notable areas within the county include small communities and rural settlements that contribute to the overall population and cultural landscape of the region. Living in Clay County offers a predominantly rural experience, with a strong emphasis on agriculture and farming. The county's economy is largely supported by industries such as agriculture, forestry, and small-scale manufacturing. Many residents appreciate the quiet, rural lifestyle, which contrasts with the hustle and bustle of suburban or urban areas. Migration patterns often include individuals and families seeking a more peaceful, community-oriented environment, away from larger cities.

County snapshot

Market context.

KY

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

Market areaLondonMapped market area
Area code30940CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Clay County

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

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