KY mortgage rates

Allen County

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

Allen 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 Allen 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 Allen

A local view of the market.

The real estate market in Allen County, Kentucky, is experiencing a modest increase in home prices. As of September 2024, the median sale price of homes in the county was $218,000, reflecting a 3.6% rise compared to the previous year. This indicates a stable market with potential growth opportunities for both buyers and sellers. Scottsville is the primary city in Allen County and serves as the county seat, with a population of approximately 4,294 residents. It is the only incorporated city in the county, making it a central hub for local activities and services. The surrounding areas are predominantly rural, contributing to the county's overall population of about 20,574 people. Allen County offers a predominantly rural lifestyle with a strong emphasis on agriculture, which plays a significant role in the local economy. The county ranks high in cattle and hay production, reflecting its agricultural roots. The largest industries in the area include manufacturing, healthcare, and retail trade. The county's rural charm, combined with its agricultural opportunities, attracts individuals seeking a quieter, more community-oriented lifestyle, contributing to a steady influx of residents moving from more urbanized areas.

County snapshot

Market context.

KY

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaBowling GreenMapped market area
Area code14540CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Allen County

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

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