KY mortgage rates

Garrard County

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

Garrard 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 Garrard 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 Garrard

A local view of the market.

In Garrard County, Kentucky, the real estate market has seen some fluctuations recently. As of October 2024, the median home sold price was $265,000, which represents a slight decrease of 1.8% from the previous year. The median price per square foot was $140. Meanwhile, the median listing home price was significantly higher at $374,900, showing a 38.9% increase year-over-year. The county includes notable cities such as Lancaster and Paint Lick. Lancaster, the county seat, has a median listing home price of $374,900, with 218 homes currently for sale. Paint Lick, though smaller, has a median listing home price of $259,000, with 11 homes available on the market. Living in Garrard County offers a mix of rural and suburban experiences. The area is known for its agricultural roots, with farming and agriculture being significant components of the local economy. The county's rural charm attracts those looking for a quieter lifestyle, while its proximity to larger cities provides suburban conveniences. Migration patterns suggest that people are moving to Garrard County for its affordable housing and the appeal of a rural lifestyle with access to suburban amenities.

Questions & Answers

Refinancing in Garrard County

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

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