KY mortgage rates

Mccreary County

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

Mccreary 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 Mccreary 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 Mccreary

A local view of the market.

In McCreary County, Kentucky, the real estate market has seen a notable increase, with the median listing home price reaching $184,500 as of October 2024, reflecting a 5.4% year-over-year rise. The median sold home price stands at $150,000, indicating a buyer's market where homes typically sell for 6.67% below the asking price. The county comprises several small communities, with Whitley City, Stearns, Pine Knot, and Strunk being among the most prominent. Whitley City, the county seat, has a median listing home price of $174,000, while Stearns is more affordable at $154,500. Pine Knot and Strunk have median listing prices of $179,000 and $197,000, respectively. McCreary County offers a predominantly rural lifestyle, with a mix of agricultural and suburban living. The area is known for its natural beauty, attracting those interested in outdoor activities and a slower pace of life. Key industries include agriculture, forestry, and tourism, with many residents drawn to the county for its affordable housing and scenic landscapes. Migration patterns suggest that people move to McCreary County for its tranquility and lower cost of living compared to urban areas.

Questions & Answers

Refinancing in Mccreary County

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

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