KY mortgage rates

Henderson County

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

Henderson 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 Henderson 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 Henderson

A local view of the market.

Henderson County, Kentucky, has seen a notable increase in its real estate market, with the median home price reaching $216,000 as of September 2024, reflecting an 8.0% rise from the previous year. The market is characterized by a relatively quick turnover, with homes typically selling after 19 days on the market. The county's largest city, Henderson, boasts a population of approximately 28,141, making it the most populous area within the county. Other notable cities include Corydon, with a population of 731, and Robards, which has around 449 residents. Living in Henderson 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 and outdoor recreational activities, including hunting and enjoying the natural beauty of places like Audubon State Park. The area attracts individuals seeking a quieter, more rural lifestyle while still having access to suburban amenities, contributing to its appeal as a relocation destination.

County snapshot

Market context.

KY

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

Market areaEvansvilleMapped market area
Area code21780CBSA / MSA reference
Featured communityHendersonFrom the county record
Data year2026Aligned with this limit record
Henderson
Top cities & communities

Communities to explore.

Henderson
Questions & Answers

Refinancing in Henderson County

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

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