KY mortgage rates

Henry County

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

Henry 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 Henry 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 Henry

A local view of the market.

The real estate market in Henry County, Kentucky, has seen significant growth, with the median home sold price reaching $260,000 in October 2024, marking a 17.1% increase from the previous year. This rise in home values indicates a strong seller's market, where homes are selling quickly and often at higher prices. Henry County is home to several notable cities, including Eminence, with a median listing home price of $274,900, and Smithfield, which is the most expensive city in the county with a median listing price of $459,700. Pleasureville and Campbellsburg are also significant, with median listing prices of $245,000 and $226,500, respectively. Living in Henry County offers a blend of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county's landscape is dotted with farms and open spaces, providing a peaceful rural environment. The top industries include agriculture and small-scale manufacturing, attracting people seeking a quieter lifestyle away from urban centers. The county's appeal lies in its balance of rural charm and suburban convenience, drawing new residents looking for affordable housing and a slower 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 areaLouisville/Jefferson CountyMapped market area
Area code31140CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Henry County

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

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