KY mortgage rates

Jessamine County

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

Jessamine 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 Jessamine 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 Jessamine

A local view of the market.

In Jessamine County, Kentucky, the real estate market is currently a seller's market, with the median home sold price reaching $349,425 in October 2024, reflecting a 10.9% increase from the previous year. The median price per square foot is $142, indicating a robust demand for housing in the area. The county includes several notable cities, with Nicholasville being the largest, offering a range of housing options and amenities. Wilmore is another significant city known for its small-town charm and educational institutions. These cities contribute to the county's appeal, attracting both families and professionals. Jessamine County offers a mix of rural and suburban living, with agriculture playing a vital role in the local economy. The area is known for its horse farms and scenic landscapes, providing a peaceful environment for residents. The county's proximity to Lexington makes it an attractive location for those seeking a balance between rural tranquility and access to urban amenities, drawing new residents who appreciate the quality of life and economic opportunities.

County snapshot

Market context.

KY

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

Market areaLexington-FayetteMapped market area
Area code30460CBSA / MSA reference
Featured communityNicholasvilleFrom the county record
Data year2026Aligned with this limit record
Nicholasville
Top cities & communities

Communities to explore.

Nicholasville
Questions & Answers

Refinancing in Jessamine County

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

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