KY mortgage rates

Graves County

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

Official InstaRefi video preview
Watch InstaRefi Overview
2026 limits

2026 Mortgage Loan Limits

Graves 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.

View all Kentucky counties
Refinance Payment Estimate

Estimate Your Refinance in Graves 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 Graves

A local view of the market.

The real estate market in Graves County, Kentucky, is currently a seller's market, with homes selling faster and at higher prices. As of October 2024, the median home sold price was $174,200, which represents a 1% increase from the previous month. The median price per square foot was $124, indicating a stable yet competitive market environment. Graves County includes several notable cities, with Mayfield being the largest. Mayfield serves as the county seat and has a population of approximately 10,000 residents. Other significant communities include Symsonia and Sedalia, which contribute to the county's overall rural charm and community-oriented lifestyle. Living in Graves County offers a blend of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county's landscape is dotted with farms and open spaces, providing a peaceful rural lifestyle. The top industries include agriculture, manufacturing, and retail, attracting individuals seeking a quieter, community-focused environment. People may be moving to Graves County for its affordable housing, strong sense of community, and the opportunity to enjoy a rural lifestyle while still having access to essential amenities.

County snapshot

Market context.

KY

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

Market areaMayfieldMapped market area
Area code32460CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Graves County

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

Make the next move with confidence

Your rate opportunity should feel clear.

InstaRefi monitors the market and helps you decide when a conversation may be worth your time. No pressure. No unnecessary credit checks.

No SSN required to get alerts No impact to your credit to check Helpful by email and text
Your data stays protected.We use encryption and privacy practices designed around your trust.Read our privacy policy
Always on your side

Never miss a refinance opportunity.

Get clear, timely mortgage alerts without hurting your credit.