KY mortgage rates

Franklin County

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

Franklin 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 Franklin 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 Franklin

A local view of the market.

Franklin County, Kentucky, is experiencing a seller's market with a median home sold price of $240,000 as of October 2024, reflecting a 2.1% increase from the previous year. The median price per square foot is $134, indicating a competitive real estate environment where homes tend to sell quickly. The county's largest city and capital of Kentucky, Frankfort, has a population of approximately 28,000 residents. It serves as the primary hub of activity and government in the region, offering a blend of historical charm and modern amenities. Other notable areas within Franklin County include smaller communities that contribute to its overall rural and suburban mix. Living in Franklin County offers a balance between rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county is known for its scenic landscapes and farming opportunities, which attract those seeking a quieter, more spacious living environment. Additionally, the presence of government jobs in Frankfort and the county's proximity to larger cities like Lexington make it an attractive location for individuals and families looking to relocate for employment opportunities and a more relaxed pace of life.

County snapshot

Market context.

KY

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

Market areaFrankfortMapped market area
Area code23180CBSA / MSA reference
Featured communityFrankfortFrom the county record
Data year2026Aligned with this limit record
Frankfort
Top cities & communities

Communities to explore.

Frankfort
Questions & Answers

Refinancing in Franklin County

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

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