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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

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$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Allen County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Anderson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Ballard County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Barren County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Bath County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Bell County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Boone County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Bourbon County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Boyd County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Boyle County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Bracken County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Breathitt County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Breckinridge County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Bullitt County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Butler County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Caldwell County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Calloway County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Campbell County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Carlisle County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Carroll County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Carter County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Casey County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Christian County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Clark County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Clay County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Clinton County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Crittenden County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Cumberland County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Daviess County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Edmonson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Elliott County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Estill County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Fayette County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Fleming County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Floyd County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Franklin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Fulton County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Gallatin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Garrard County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Grant County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Graves County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Grayson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Green County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Greenup County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hancock County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hardin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Harlan County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Harrison County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hart County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Henderson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Henry County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hickman County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Hopkins County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Jackson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Jefferson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Jessamine County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Johnson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Kenton County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Knott County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Knox County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Larue County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Laurel County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lawrence County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lee County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Leslie County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Letcher County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lewis County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lincoln County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Livingston County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Logan County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Lyon County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Madison County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Magoffin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Marion County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Marshall County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Martin County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mason County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mccracken County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mccreary County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mclean County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Meade County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Menifee County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Mercer County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Metcalfe County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Monroe County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Montgomery County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Morgan County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Muhlenberg County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Nelson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Nicholas County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Ohio County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Oldham County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Owen County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Owsley County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pendleton County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Perry County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pike County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Powell County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Pulaski County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Robertson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Rockcastle County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Rowan County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Russell County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Scott County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Shelby County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Simpson County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Spencer County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Taylor County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Todd County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Trigg County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Trimble County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Union County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Warren County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Washington County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wayne County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Webster County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Whitley County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Wolfe County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250
Woodford County One Family$806,500 Two Family$1,032,650 Three Family$1,248,150 Four Family$1,551,250

Mortgage Rates by State

Mortgage rates by loan term and type

Today's Mortgage Rates
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