KY mortgage rates

Bell County

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

Get Free Refinance Alerts Check a live rate
Official InstaRefi video preview
Watch InstaRefi Overview
2026 limits

2026 Mortgage Loan Limits

Bell 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.

View all Kentucky counties
Refinance Payment Estimate

Estimate Your Refinance in Bell 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
Get Free Rate Alerts

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Bell

A local view of the market.

The real estate market in Bell County, Kentucky, is currently characterized as a buyer's market, with the median home sold price at $150,000 as of October 2024, reflecting a 15.4% increase from the previous year. Homes in the county have a median price per square foot of $100, and the market has seen a slight increase in the number of homes for sale, with 80 homes available in October 2024. Bell County includes several cities, with Middlesboro and Pineville being among the most notable. Middlesboro has a median listing home price of approximately $184,800, while Pineville's median listing price is higher at around $212,000. These cities offer a range of affordable housing options, contributing to their appeal. Living in Bell County offers a predominantly rural lifestyle, with a mix of suburban areas. The county's economy is supported by industries such as agriculture and manufacturing, which play a significant role in the local job market. The area's affordable housing and rural charm attract new residents, particularly those seeking a quieter 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 areaMiddlesboroughMapped market area
Area code33180CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Bell County

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

Make the next move with confidence

Your rate opportunity should feel clear.

InstaRefi monitors the market and helps you decide when a conversation may be worth your time. No pressure. No unnecessary credit checks.

No SSN required to get alerts No impact to your credit to check Helpful by email and text
Your data stays protected.We use encryption and privacy practices designed around your trust.Read our privacy policy
Always on your side

Never miss a refinance opportunity.

Get clear, timely mortgage alerts without hurting your credit.

Get Free Refinance Alerts Get a Live Rate Quote