The VA’s Interest Rate Reduction Refinance Loans in Kentucky for the fourth quarter of the fiscal year 2025 averaged $285,488, reflecting a 4.4% decrease from the previous quarter, according to the Veterans Affairs Home Loans Index.
The VA assists service members, veterans and eligible surviving spouses to achieve homeownership through loans provided by banks and mortgage companies.
A portion of the loan is guaranteed by the VA, which allows the lender to provide better rates.
Several VA housing programs can help eligible individuals buy, build, or repair their homes. These include Purchase Loans, Interest Rate Reduction Refinance Loans (IRRRL), and Adapted Housing Grants, which are designed for veterans with service-connected disabilities.
The VA’s fiscal year is from Oct. 1 to Sept. 30.
| State | AVG Loan in Q4 2025 | Avg Loan in Q4 2024 | % Change |
|---|---|---|---|
| Alaska | $422,596 | $381,297 | 10.8% |
| Alabama | $314,031 | $320,648 | -2.1% |
| Arkansas | $278,919 | $282,396 | -1.2% |
| Arizona | $410,598 | $415,369 | -1.1% |
| California | $593,408 | $617,266 | -3.9% |
| Colorado | $502,246 | $491,640 | 2.2% |
| Connecticut | $370,855 | $403,403 | -8.1% |
| Delaware | $420,413 | $399,153 | 5.3% |
| Florida | $391,359 | $403,721 | -3.1% |
| Georgia | $344,017 | $352,991 | -2.5% |
| Hawaii | $774,809 | $699,631 | 10.7% |
| Iowa | $263,395 | $286,952 | -8.2% |
| Idaho | $444,321 | $423,641 | 4.9% |
| Illinois | $320,918 | $324,509 | -1.1% |
| Indiana | $287,631 | $283,134 | 1.6% |
| Kansas | $300,153 | $293,240 | 2.4% |
| Kentucky | $285,488 | $298,564 | -4.4% |
| Louisiana | $286,707 | $275,991 | 3.9% |
| Massachusetts | $519,153 | $454,817 | 14.1% |
| Maryland | $485,510 | $478,496 | 1.5% |
| Maine | $372,616 | $337,428 | 10.4% |
| Michigan | $290,642 | $293,556 | -1% |
| Minnesota | $331,541 | $351,316 | -5.6% |
| Missouri | $282,243 | $296,176 | -4.7% |
| Mississippi | $275,586 | $289,050 | -4.7% |
| Montana | $424,204 | $444,225 | -4.5% |
| North Carolina | $333,958 | $337,612 | -1.1% |
| North Dakota | $332,252 | $327,801 | 1.4% |
| Nebraska | $328,157 | $327,957 | 0.1% |
| New Hampshire | $421,188 | $430,557 | -2.2% |
| New Jersey | $461,679 | $424,735 | 8.7% |
| New Mexico | $348,478 | $351,183 | -0.8% |
| Nevada | $438,848 | $440,998 | -0.5% |
| New York | $348,502 | $355,427 | -1.9% |
| Ohio | $290,730 | $290,793 | -0% |
| Oklahoma | $290,293 | $302,514 | -4% |
| Oregon | $425,464 | $424,746 | 0.2% |
| Pennsylvania | $303,213 | $295,650 | 2.6% |
| Rhode Island | $475,907 | $423,620 | 12.3% |
| South Carolina | $347,196 | $341,589 | 1.6% |
| South Dakota | $351,837 | $324,735 | 8.3% |
| Tennessee | $381,011 | $364,252 | 4.6% |
| Texas | $379,149 | $392,759 | -3.5% |
| Utah | $487,441 | $500,944 | -2.7% |
| Virginia | $438,194 | $430,129 | 1.9% |
| Vermont | $421,116 | $336,906 | 25% |
| Washington | $511,985 | $496,648 | 3.1% |
| Wisconsin | $302,386 | $311,153 | -2.8% |
| West Virginia | $311,079 | $309,238 | 0.6% |
| Wyoming | $376,752 | $363,876 | 3.5% |
Information in this article was obtained from the Veterans Affairs Home Loans Index. The source data can be found here.
