KY mortgage rates

Ballard County

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

Ballard 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 Ballard 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 Ballard

A local view of the market.

The real estate market in Ballard County, Kentucky, has seen some fluctuations recently. As of October 2024, the median listing home price was $165,000, which represents a slight decrease of 2.9% compared to the previous year. Homes in the area are selling for a median price of $142,500, indicating a competitive market where properties are selling close to their listing prices. Ballard County is home to several small cities, with La Center being the largest, having a population of approximately 879 people. Wickliffe, the county seat, follows with a population of 664, and Barlow has around 654 residents. These cities contribute to the county's overall rural charm and community-focused lifestyle. Living in Ballard County offers a mix of rural and suburban experiences, with a strong emphasis on agriculture and manufacturing as key industries. The county's landscape is characterized by its rural settings, making it ideal for those interested in farming and agriculture. The local economy benefits from these industries, and the area is attractive to those seeking a quieter, community-oriented lifestyle away from urban centers.

County snapshot

Market context.

KY

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

Market areaPaducahMapped market area
Area code37140CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Ballard County

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

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