KY mortgage rates

Hancock County

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

Hancock 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 Hancock 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 Hancock

A local view of the market.

The real estate market in Hancock County, Kentucky, has seen some fluctuations recently. As of October 2024, the median listing home price was $222,000, which represents a decrease of 23.2% compared to the previous year. The median home sold price was $154,500, indicating a market where homes are selling below their listing prices. Hancock County includes several small cities, with Hawesville and Lewisport being among the most notable. Hawesville, the county seat, has a population of approximately 1,000 residents, while Lewisport is home to around 1,700 people. These cities serve as central hubs for the county's community and economic activities. Living in Hancock County offers a predominantly rural lifestyle, with a mix of agricultural and suburban elements. The county's economy is supported by industries such as manufacturing and agriculture, which attract residents seeking employment opportunities. The rural setting and the availability of land make it appealing for those interested in farming or enjoying a quieter, country lifestyle. Additionally, the county's affordability and small-town charm are factors that contribute to its appeal for people moving from more 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
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Hancock County

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

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