KY mortgage rates

Bourbon County

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

Bourbon 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 Bourbon 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 Bourbon

A local view of the market.

The real estate market in Bourbon County, Kentucky, is currently experiencing a seller's market, with the median home price at $236,000 as of October 2024, reflecting a 5.1% increase from the previous year. Homes are selling at an average of $156 per square foot, indicating a strong demand in the area. Bourbon County comprises several cities, with Paris being the largest and most prominent. Paris has a median home price of approximately $214,900, making it the priciest city in the county. Millersburg, another key city, offers more affordable housing options with average house prices around $158,500. Living in Bourbon County offers a blend of rural and suburban lifestyles, with a strong emphasis on agriculture and farming. The county is known for its picturesque landscapes and agricultural heritage, contributing to its appeal for those seeking a quieter, rural lifestyle. Key industries include agriculture and manufacturing, attracting individuals looking for a peaceful environment with employment opportunities in these sectors. The migration patterns suggest that people are moving to Bourbon County for its affordable housing and quality of life.

County snapshot

Market context.

KY

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

Market areaLexington-FayetteMapped market area
Area code30460CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Bourbon County

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

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