KY mortgage rates

Jackson County

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

Jackson 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 Jackson 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 Jackson

A local view of the market.

The real estate market in Jackson County, Kentucky, has seen a modest increase in home prices over the past year. As of October 2024, the median list price for homes is $170,000, reflecting a 3.1% rise from the previous year. This growth indicates a steady demand for housing in the area, although the number of homes for sale remains relatively low, with only 19 homes on the market in October 2024. Jackson County's notable communities include McKee, Annville, and Sand Gap. McKee, the county seat, has a population of around 800 residents, offering a small-town atmosphere. Annville is another key area with a population of approximately 1,100, known for its community-oriented lifestyle. Sand Gap, though smaller, contributes to the county's rural charm and community feel. Living in Jackson County is characterized by its predominantly rural setting, with a mix of agricultural and small-town suburban life. The county's economy is largely driven by agriculture, forestry, and small local businesses. People are drawn to Jackson County for its peaceful rural environment, affordable housing, and the opportunity to engage in farming or enjoy a quieter lifestyle away from urban centers.

Questions & Answers

Refinancing in Jackson County

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

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