KY mortgage rates

Lewis County

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

Lewis 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 Lewis 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 Lewis

A local view of the market.

The real estate market in Lewis County, Kentucky, has seen a notable increase in home values over the past year. As of October 2024, the median listing home price is $188,000, reflecting a significant year-over-year increase of 25.3%. This upward trend indicates a growing demand for housing in the area, making it a potentially lucrative market for sellers. Lewis County is home to several small cities, with Vanceburg being the county seat and one of the most notable. Vanceburg has a population of approximately 1,500 residents, offering a small-town atmosphere with essential amenities. Other communities in the county include Tollesboro and Garrison, which are smaller but contribute to the county's rural charm. Living in Lewis County offers a predominantly rural lifestyle, with agriculture playing a significant role in the local economy. The county's landscape is characterized by farms and open spaces, providing a serene environment for residents. The top industries include agriculture and manufacturing, attracting individuals seeking a quieter, more laid-back lifestyle. Migration patterns suggest that people are moving to Lewis County for its affordable housing and rural appeal, away from the hustle and bustle of urban areas.

Questions & Answers

Refinancing in Lewis County

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

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