KY mortgage rates

Daviess County

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

Daviess 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 Daviess 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 Daviess

A local view of the market.

In Daviess County, Kentucky, the real estate market has been experiencing growth, with the median listing home price reaching $259,900 as of October 2024, marking an 11.3% increase from the previous year. The median home sold price was $244,000, indicating a competitive market where homes are selling close to their listing prices. The county includes several notable cities, with Owensboro being the largest. Owensboro has a population of approximately 60,000 and serves as the county seat. Other significant cities include Philpot, known for its larger lots and a median home price of $349,900, and Masonville, which offers more affordable housing options with a median price of $244,900. Living in Daviess 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 agricultural lands and suburban communities, providing a peaceful environment with access to urban amenities. The top industries include manufacturing, healthcare, and education, attracting people seeking a balance between rural charm and suburban convenience. The county's growth is driven by its affordable housing market and the appeal of a quieter lifestyle compared to larger urban areas.

County snapshot

Market context.

KY

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

Market areaOwensboroMapped market area
Area code36980CBSA / MSA reference
Featured communityOwensboroFrom the county record
Data year2026Aligned with this limit record
Owensboro
Top cities & communities

Communities to explore.

Owensboro
Questions & Answers

Refinancing in Daviess County

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

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