KY mortgage rates

Breathitt County

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

Breathitt 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 Breathitt 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 Breathitt

A local view of the market.

The real estate market in Breathitt County, Kentucky, is characterized by a median listing home price of $280,000 as of October 2024, reflecting a decrease of 6.4% year-over-year. The county is currently a buyer's market, indicating a higher supply of homes than demand, with homes typically staying on the market for an average of 71 days. Breathitt County comprises several cities, with Jackson being the most notable, having a median listing home price of $280,000. Other prominent cities include Wolf Coal, Altro, and Athol, each with a median listing home price of $275,000. These cities offer affordable housing options with quick turnover rates. Living in Breathitt County offers a predominantly rural experience, with a mix of agricultural and suburban lifestyles. The county's economy is supported by industries such as agriculture and small-scale manufacturing. Real estate migration patterns suggest that people may be drawn to the county for its affordable housing and rural charm, making it an appealing choice for those seeking a quieter lifestyle away from urban centers.

Questions & Answers

Refinancing in Breathitt County

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

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