Home Equity in Kentucky: How Much Can You Cash Out? (2026)
With Kentucky's median value near $215,000 and a typical $118,000 balance, homeowners can access about $64,750 at 85% combined LTV — through a HELOC, a fixed home equity loan, or a cash-out refinance.
In Kentucky, the cheapest way to tap equity is usually a second lien (HELOC/home equity loan) if your current mortgage rate is low; a cash-out refinance replaces the whole loan at 80% LTV.
Accessible equity by Kentucky county
| County | Est. Value | Equity at 85% CLTV |
|---|---|---|
| Jefferson County | $250,000 | $74,500 |
| Fayette County | $300,000 | $90,000 |
| Kenton County | $215,000 | $64,750 |
| Boone County | $215,000 | $64,750 |
| Warren County | $215,000 | $64,750 |
| Hardin County | $215,000 | $64,750 |
| Daviess County | $215,000 | $64,750 |
| Campbell County | $215,000 | $64,750 |
| Bullitt County | $215,000 | $64,750 |
| Madison County | $215,000 | $64,750 |
| Christian County | $215,000 | $64,750 |
| McCracken County | $215,000 | $64,750 |
| Oldham County | $215,000 | $64,750 |
| Pulaski County | $215,000 | $64,750 |
| Laurel County | $215,000 | $64,750 |
| Scott County | $215,000 | $64,750 |
| Boyd County | $215,000 | $64,750 |
| Franklin County | $215,000 | $64,750 |
| Hopkins County | $215,000 | $64,750 |
| Pike County | $215,000 | $64,750 |
| Jessamine County | $215,000 | $64,750 |
| Nelson County | $215,000 | $64,750 |
| Whitley County | $215,000 | $64,750 |
| Henderson County | $215,000 | $64,750 |
| Bell County | $215,000 | $64,750 |
How to tap equity in Kentucky
Start with your numbers: home value minus what you owe, capped at 85% of value. Then pick the tool — a revolving HELOC for flexible access, a fixed home equity loan for a lump sum, or a cash-out refinance if a new first-mortgage rate beats your current one. Compare two or three lenders, since margins and fees vary.
See How Much Equity You Can Tap
Get posted on rate drops, rising equity, and cheaper ways to borrow.
Frequently Asked Questions
- How much home equity can I tap in Kentucky?
- On a $215,000 home with a $118,000 balance, about $64,750 at 85% CLTV. Your exact limit depends on the lender, your credit, and the appraisal.
- Is a HELOC or cash-out better in Kentucky?
- If your first mortgage rate is low, a HELOC or home equity loan is usually cheaper because it keeps that rate. A cash-out refinance only wins when today's rate beats your current one.