KY mortgage rates

Hardin County

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

Hardin 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 Hardin 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 Hardin

A local view of the market.

The real estate market in Hardin County, Kentucky, has seen significant growth, with the median home sold price reaching $289,440 in October 2024, marking a 15.9% increase from the previous year. This increase reflects a strong seller's market, where homes are selling quickly and often above asking prices. Hardin County is home to several prominent cities, including Elizabethtown, Radcliff, and Vine Grove. Elizabethtown, the county seat, is the largest city with a population of approximately 30,000. Radcliff follows with around 22,000 residents, and Vine Grove has a smaller population of about 6,000, offering a mix of suburban and small-town living. Living in Hardin County offers a blend of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county is known for its farming communities and suburban developments, attracting residents who appreciate both the tranquility of rural life and the conveniences of suburban living. The presence of Fort Knox also influences migration patterns, drawing military personnel and their families to the area, contributing to the local economy and housing demand.

County snapshot

Market context.

KY

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

Market areaElizabethtown-Fort KnoxMapped market area
Area code21060CBSA / MSA reference
Featured communitiesRadcliff · ElizabethFrom the county record
Data year2026Aligned with this limit record
RadcliffElizabeth
Top cities & communities

Communities to explore.

RadcliffElizabeth
Questions & Answers

Refinancing in Hardin County

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

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