KY mortgage rates

Kenton County

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

Kenton 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 Kenton 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 Kenton

A local view of the market.

The real estate market in Kenton County, Kentucky, is experiencing notable trends. As of October 2024, the median home list price was $299,943, reflecting a 10.1% decrease from the previous month. The average home value in the county is $262,078, which has increased by 4.4% over the past year. Homes in the area typically go pending in around 8 days. Kenton County includes several prominent cities, with Covington being the largest. Covington has a population of approximately 40,000 residents, making it a significant urban center in the county. Other notable cities include Independence and Erlanger, which contribute to the county's diverse urban landscape. Living in Kenton County offers a mix of suburban and rural experiences. The county is characterized by suburban communities with access to urban amenities, while also being close to rural areas that support agriculture and farming. The top industries in the county include manufacturing, healthcare, and education, attracting people seeking employment opportunities. Migration patterns indicate that individuals are moving to Kenton County for its affordable housing and proximity to Cincinnati, providing a balance of suburban tranquility and urban convenience.

County snapshot

Market context.

KY

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

Market areaCincinnatiMapped market area
Area code17140CBSA / MSA reference
Featured communitiesIndependence · CovingtonFrom the county record
Data year2026Aligned with this limit record
IndependenceCovington
Top cities & communities

Communities to explore.

IndependenceCovington
Questions & Answers

Refinancing in Kenton County

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

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