KY mortgage rates

Floyd County

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

Floyd 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 Floyd 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 Floyd

A local view of the market.

The real estate market in Floyd County, Kentucky, has seen a notable increase in home values over the past year. As of 2024, the median home list price in the county is approximately $169,900, reflecting a 19.6% rise from the previous year. The average home value is around $79,026, marking a 4.1% increase. Floyd County includes several key cities, with Prestonsburg being the largest and serving as the county seat. Prestonsburg has a population of about 3,255 residents. Another notable city is Martin, which has a smaller population of approximately 634 people. These cities contribute to the county's overall community and economic activities. Living in Floyd County offers a mix of rural and suburban experiences, with a significant emphasis on agriculture and small-town life. The county's economy is supported by industries such as healthcare, education, and retail. Real estate migration patterns suggest that people are attracted to Floyd County for its affordable housing and the appeal of a quieter, rural lifestyle compared to urban areas.

Questions & Answers

Refinancing in Floyd County

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

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