KY mortgage rates

Mason County

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

Mason 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 Mason 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 Mason

A local view of the market.

The real estate market in Mason County, Kentucky, has seen a notable increase in home values, with the average home value currently at $152,679, reflecting an 8.2% rise over the past year. This trend indicates a growing interest in the area, potentially driven by its affordability compared to national averages. Mason County's largest city is Maysville, which serves as the county seat and has a population of approximately 8,800 residents. Maysville is known for its rich history and vibrant community life, making it a central hub for the county. Other notable areas include the smaller communities of Washington and Germantown, which contribute to the county's charm and appeal. Living in Mason County offers a mix of rural and suburban experiences, with a strong emphasis on agriculture and farming. The county's economy is supported by industries such as manufacturing, healthcare, and education, which provide employment opportunities for residents. People are drawn to Mason County for its peaceful rural lifestyle, affordable housing, and the potential for a close-knit community atmosphere, making it an attractive destination for those seeking a quieter, more connected way of life.

County snapshot

Market context.

KY

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

Market areaMaysvilleMapped market area
Area code32500CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Mason County

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

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