KY mortgage rates

Estill County

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

Estill 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 Estill 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 Estill

A local view of the market.

In Estill County, Kentucky, the real estate market is experiencing moderate growth. As of October 2024, the median listing home price is $189,900, reflecting a 7% increase from the previous year. The median home sold price is slightly lower at $175,000, indicating a balanced market where supply and demand are relatively equal. The county comprises several small cities, with Irvine being the largest and serving as the county seat. Irvine has a population of approximately 2,400 residents, making it the most populous city in the county. Another notable city is Ravenna, with a smaller population of around 600 people. These cities are central to the county's community life and provide essential services and amenities to residents. Living in Estill County offers a predominantly rural experience with a mix of suburban elements. The area is known for its agricultural activities, with farming being a significant part of the local economy. The top industries include agriculture, manufacturing, and retail trade. The county attracts individuals seeking a quieter, more rural lifestyle, often moving from urban areas for the affordability and tranquility Estill County offers.

County snapshot

Market context.

KY

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

Market areaRichmond-BereaMapped market area
Area code40080CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Estill County

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

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