KY mortgage rates

Rowan County

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

Rowan 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 Rowan 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 Rowan

A local view of the market.

The real estate market in Rowan County, Kentucky, is currently experiencing a seller's market, with home prices generally on the rise. As of October 2024, the median home sold price was $200,000, which represents an 8.6% decrease from the previous year. The average home value in the county is approximately $159,510, showing a 5.6% increase over the past year. Rowan County includes several notable cities, with Morehead being the largest. Morehead is a vibrant city with a population of around 7,500 residents. It serves as the county seat and is known for its educational institutions, including Morehead State University. Other smaller communities in the county include Clearfield, Lakeview Heights, and Haldeman, each contributing to the county's diverse living environments. Living in Rowan County offers a mix of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county's landscape is characterized by rolling hills and farmland, providing a peaceful rural setting. The presence of Morehead State University and various healthcare facilities highlights education and healthcare as top industries. People are drawn to Rowan County for its affordable housing, educational opportunities, and the serene, natural environment that offers a respite from urban living.

Questions & Answers

Refinancing in Rowan County

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

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