KY mortgage rates

Pendleton County

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

Pendleton 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 Pendleton 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 Pendleton

A local view of the market.

Pendleton County, Kentucky's real estate market has seen a notable increase in home values, with the average home value reaching $205,798, reflecting a 7.4% rise over the past year. This growth indicates a strong demand for housing in the area, making it an attractive market for potential buyers. The county is home to several small towns, with Falmouth being the largest city. Falmouth serves as the county seat and has a population of approximately 2,000 residents. Another notable town is Butler, which has a smaller population but contributes to the county's community atmosphere. Living in Pendleton County offers a predominantly rural lifestyle, with a mix of agricultural and suburban living. The county's economy is supported by industries such as agriculture, manufacturing, and retail. Many people are drawn to Pendleton County for its peaceful rural environment, affordable housing, and the opportunity to live in a close-knit community while still being within commuting distance to larger cities.

County snapshot

Market context.

KY

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

Market areaCincinnatiMapped market area
Area code17140CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Pendleton County

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

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