KY mortgage rates

Ohio County

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

Ohio 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 Ohio 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 Ohio

A local view of the market.

Ohio County, Kentucky's real estate market has seen notable growth, with median home values reaching approximately $239,900 as of October 2024, reflecting a year-over-year increase of 10.9%. This upward trend indicates a strong demand for housing in the area, making it an attractive market for potential buyers and investors. The county is home to several prominent cities, including Beaver Dam and Hartford. Beaver Dam, with a population of around 3,500, is known for its community-oriented atmosphere and affordable housing options, with a median listing price of $169,900. Hartford, the county seat, offers a blend of historical charm and modern amenities, contributing to its appeal as a residential hub. Living in Ohio County offers a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county's rural landscape supports farming and agricultural activities, while suburban areas provide residential communities with access to local amenities. The top industries include agriculture, manufacturing, and retail, attracting individuals seeking a quieter lifestyle with opportunities for employment in these sectors. Migration patterns suggest that people are moving to Ohio County for its affordable housing, community-focused living, and the balance of rural and suburban environments.

Questions & Answers

Refinancing in Ohio County

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

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