KY mortgage rates

Bracken County

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

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

About Bracken

A local view of the market.

The real estate market in Bracken County, Kentucky, is characterized by a median listing home price of $198,000 as of October 2024, which represents a 26% decrease year-over-year. The market is currently a buyer's market, with homes selling for an average of 3.91% below the asking price and taking about 45 days to sell. Bracken County consists of several cities, with Brooksville and Augusta being notable ones. Brooksville is the most affordable city, with a median listing home price of $190,000, while Augusta has a median listing price of $194,000. These cities offer a mix of rural charm and small-town living, attracting residents who appreciate a quieter lifestyle. Living in Bracken County offers a predominantly rural experience, with a strong emphasis on agriculture and farming. The county's economy is supported by industries such as agriculture, manufacturing, and retail. The area's rural charm and affordability are appealing to those looking to escape urban centers, making it an attractive destination for people seeking a more relaxed and community-focused lifestyle.

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
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Bracken County

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

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