KY mortgage rates

Lee County

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

Lee 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 Lee 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 Lee

A local view of the market.

The real estate market in Lee County, Kentucky, has seen significant growth, with the average home value reaching $124,589, marking a 12.8% increase over the past year. This upward trend reflects a growing interest in the area, possibly driven by its affordability compared to national averages. Beattyville is the largest city in Lee County and serves as the county seat. The county has a small population, with Beattyville being the most notable urban area. As of the latest data, the county's overall population is around 7,293, highlighting its rural character. Living in Lee County offers a predominantly rural lifestyle, with an emphasis on agriculture and farming. The area is known for its natural beauty and outdoor recreational opportunities, making it attractive to those seeking a quieter, more nature-oriented lifestyle. The local economy is supported by traditional industries, and the county's rural charm attracts people looking to escape urban environments for a more peaceful setting.

Questions & Answers

Refinancing in Lee County

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

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