KY mortgage rates

Boone County

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

Boone 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 Boone 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 Boone

A local view of the market.

Boone County, Kentucky, has seen some fluctuations in its real estate market recently. As of October 2024, the median home listing price was approximately $367,758, reflecting an 8% decrease from the previous month. The average home value in the county is around $306,590, which marks a 1.7% increase over the past year. Homes in Boone County typically go pending in about nine days, indicating a relatively brisk market pace. The county includes several prominent cities, with Florence being the largest, boasting a population of approximately 31,000 residents. Union and Burlington are also significant, with populations of around 6,000 and 16,000, respectively. These cities offer a mix of suburban and rural living, providing diverse housing options for residents. Living in Boone County offers a blend of suburban and rural experiences, with a strong presence of agriculture and suburban life. The area is known for its family-friendly communities and access to various amenities. The top industries in Boone County include manufacturing, retail, and healthcare, which attract new residents seeking employment opportunities. The county's proximity to Cincinnati also makes it an attractive location for those looking to enjoy suburban living while having access to urban job markets and amenities.

County snapshot

Market context.

KY

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

Market areaCincinnatiMapped market area
Area code17140CBSA / MSA reference
Featured communityFlorenceFrom the county record
Data year2026Aligned with this limit record
Florence
Top cities & communities

Communities to explore.

Florence
Questions & Answers

Refinancing in Boone County

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

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