KY mortgage rates

Harrison County

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

Harrison 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 Harrison 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 Harrison

A local view of the market.

The real estate market in Harrison County, Kentucky, has experienced significant growth, with the median home sold price reaching $232,500 in October 2024, marking a 25% increase from the previous year. This rise indicates a strong seller's market, where homes are selling faster and at higher prices. Harrison County includes several key cities, with Cynthiana being the largest, serving as the county seat and a central hub for the region. Cynthiana has a population of approximately 6,300 residents, offering a blend of small-town charm and essential amenities. Berry is another notable city, though smaller, contributing to the county's rural character. Living in Harrison County offers a mix of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county's landscape is dotted with farms and open spaces, attracting those interested in a quieter, more rural lifestyle. The top industries include agriculture, manufacturing, and retail, which support the local economy. People may be drawn to Harrison County for its affordable housing, rural charm, and the opportunity to live in a community that balances agricultural and suburban life.

Questions & Answers

Refinancing in Harrison County

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

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