KY mortgage rates

Webster County

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

Webster 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 Webster 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 Webster

A local view of the market.

The real estate market in Webster County, Kentucky, has seen a notable shift with the median listing home price at $184,900 as of October 2024, reflecting a decrease of 15.6% compared to the previous year. The median price per square foot is $104, and homes are selling for a median price of $110,000, indicating a balanced market where supply and demand are relatively equal. Webster County comprises several cities, with Providence and Sebree being among the most prominent. Providence is known for its affordability, with a median listing home price of $120,900, while Sebree is the most expensive city in the county, with a median listing price of $219,900. These cities, along with Dixon and Clay, contribute significantly to the county's population and housing dynamics. Living in Webster County offers a blend of rural and suburban experiences, with agriculture playing a vital role in the local economy. The county's landscape is characterized by farms and open spaces, providing a peaceful rural lifestyle. The top industries include agriculture and manufacturing, attracting individuals seeking a quieter life away from urban centers. The county's affordability and serene environment make it an appealing destination for those looking to relocate from more densely populated areas.

Questions & Answers

Refinancing in Webster County

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

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