X

Wait, what? It's true... relative home affordability improved in the third quarter of 2024 in a majority of the nation's housing markets. Was yours one of them?

Wait, what? It's true... relative home affordability improved in the third quarter of 2024 in a majority of the nation's housing markets. Was yours one of them?

Today's Kentucky Mortgage Rates in the HSH Lender Showcase

Kentucky Mortgages

Kentucky features a diverse economic landscape, from the fast-growing Tri-Cities area of southeastern Kentucky to the industrial northeast. Whether you're looking to invest in property, buy a new home for your family, or build a dream Bluegrass-country vacation retreat, HSH.com helps you evaluate your financing options.

HSH.com features comprehensive information on mortgages. Find data on current KY mortgage rates and lenders familiar with the state's real estate markets. Use mortgage calculators to estimate loan amortization, monthly payments, and private mortgage insurance costs. Together, these resources on Kentucky mortgage rates helps you make smart investment decisions.

Find out whether it's the right time to refinance or buy a home, or decide how best to use your home equity. Contact a Kentucky loan officer today for mortgage quotes and advice.

Kentucky Conventional Mortgage

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2024 Conforming loan limits for Kentucky

Select County
County Name One Family Two Family Three Family Four Family
Adair County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Allen County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Anderson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Ballard County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Barren County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Bath County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Bell County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Boone County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Bourbon County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Boyd County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Boyle County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Bracken County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Breathitt County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Breckinridge County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Bullitt County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Butler County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Caldwell County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Calloway County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Campbell County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Carlisle County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Carroll County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Carter County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Casey County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Christian County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Clark County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Clay County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Clinton County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Crittenden County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Cumberland County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Daviess County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Edmonson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Elliott County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Estill County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Fayette County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Fleming County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Floyd County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Franklin County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Fulton County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Gallatin County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Garrard County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Grant County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Graves County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Grayson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Green County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Greenup County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hancock County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hardin County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Harlan County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Harrison County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hart County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Henderson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Henry County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hickman County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hopkins County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Jackson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Jefferson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Jessamine County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Johnson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Kenton County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Knott County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Knox County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Larue County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Laurel County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lawrence County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lee County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Leslie County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Letcher County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lewis County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lincoln County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Livingston County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Logan County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lyon County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Madison County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Magoffin County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Marion County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Marshall County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Martin County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Mason County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Mccracken County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Mccreary County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Mclean County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Meade County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Menifee County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Mercer County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Metcalfe County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Monroe County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Montgomery County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Morgan County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Muhlenberg County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Nelson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Nicholas County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Ohio County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Oldham County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Owen County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Owsley County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Pendleton County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Perry County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Pike County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Powell County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Pulaski County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Robertson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Rockcastle County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Rowan County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Russell County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Scott County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Shelby County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Simpson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Spencer County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Taylor County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Todd County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Trigg County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Trimble County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Union County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Warren County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Washington County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Wayne County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Webster County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Whitley County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Wolfe County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Woodford County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400

Mortgage Rates by State

Mortgage rates by loan term and type

Today's Mortgage Rates
30-year fixed mortgage rates
15-year fixed mortgage rates
20-year fixed mortgage rates
10-year fixed mortgage rates
5/1 Adjustable Rate Mortgage Rates
7/1 Adjustable Rate Mortgage Rates
10/1 Adjustable Rate Mortgage Rates
VA mortgage rates
FHA mortgage rates
Add to Homescreen?
✓
X
X
Install this web app on your phone :tap and then Add to homescreen