KY mortgage rates

Mclean County

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

Mclean 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 Mclean 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 Mclean

A local view of the market.

The real estate market in McLean County, Kentucky, has seen a notable increase in home values recently. As of October 2024, the median listing home price was $234,700, reflecting a significant year-over-year rise of 24.2%. Meanwhile, the average home value in the county is $128,240, marking a 5.1% increase over the past year. McLean County comprises several small cities, with Calhoun being the county seat. Calhoun has a population of approximately 763 people, while Livermore, another notable city, has around 1,365 residents. These cities are characterized by their small-town charm and close-knit communities, making them attractive to those seeking a quieter lifestyle. Living in McLean County offers a predominantly rural experience, with a mix of agricultural and suburban lifestyles. The county is known for its farming and agricultural activities, which are among the top industries in the area. This rural setting, combined with affordable housing and a peaceful environment, attracts people looking to escape the hustle and bustle of urban life. The migration patterns suggest that new residents are often drawn by the county's serene landscapes and the opportunity for a more relaxed, community-oriented way of living.

County snapshot

Market context.

KY

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

Market areaOwensboroMapped market area
Area code36980CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Mclean County

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

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