KY mortgage rates

Bullitt County

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

Bullitt 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 Bullitt 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 Bullitt

A local view of the market.

The real estate market in Bullitt County, Kentucky, has seen a steady increase in home values over the past year. As of October 2024, the median home sold price was approximately $279,947, marking a 4% increase from the previous year. This rise in home values reflects the county's status as a seller's market, where demand continues to outpace supply, leading to higher prices and quicker sales. Bullitt County is home to several notable cities, with Shepherdsville being the largest, boasting a population of around 12,000 residents. Mount Washington follows closely, with a population of approximately 15,000, offering a blend of suburban and small-town charm. These cities are popular due to their proximity to Louisville, providing residents with easy access to urban amenities while maintaining a more relaxed, community-oriented lifestyle. Living in Bullitt County offers a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county's landscape is dotted with farms and open spaces, catering to those who appreciate a rural lifestyle. However, suburban life is also thriving, with new housing developments attracting families and professionals. The top industries in the area include manufacturing, retail, and healthcare, drawing people to the county for job opportunities and a lower cost of living compared to nearby urban centers. This combination of factors contributes to a steady influx of new residents seeking a balanced 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 areaLouisville/Jefferson CountyMapped market area
Area code31140CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Bullitt County

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

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