KY mortgage rates

Jefferson County

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

Jefferson 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 Jefferson 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 Jefferson

A local view of the market.

The real estate market in Jefferson County, Kentucky, is experiencing a steady rise in home values. As of October 2024, the median home sold price was $259,843, reflecting a 5% increase from the previous year. Homes in the county typically sell for about $187 per square foot and tend to go pending in approximately 8 days, indicating a competitive market. The county's largest city, Louisville, has a population of approximately 633,000 and serves as the cultural and economic hub of the region. Other notable cities include Jeffersontown, with a population of around 27,000, and St. Matthews, which is home to about 18,000 residents. These cities offer a mix of suburban and urban living, attracting diverse populations. Living in Jefferson County offers a blend of suburban and urban lifestyles, with areas like Louisville providing a bustling city environment, while places like Jeffersontown and St. Matthews offer more suburban settings. The county is known for its strong healthcare and manufacturing industries, which are significant employers in the area. The real estate market benefits from migration patterns that include people moving for job opportunities, affordable living, and the county's rich cultural offerings.

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
Featured communitiesJefferson · LouisvilleFrom the county record
Data year2026Aligned with this limit record
JeffersonLouisville
Top cities & communities

Communities to explore.

JeffersonLouisville
Questions & Answers

Refinancing in Jefferson County

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

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