KY mortgage rates

Laurel County

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

Laurel 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 Laurel 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 Laurel

A local view of the market.

The real estate market in Laurel County, Kentucky, has seen modest growth, with the average home value currently at $163,624, reflecting a 0.4% increase over the past year. Homes in the area typically go pending in about 29 days, indicating a relatively stable market. Laurel County is home to several notable cities, with London being the largest. London serves as the county seat and has a population of approximately 8,000 residents. Another significant city is North Corbin, which, although partially located in Knox County, contributes to the county's urban landscape. Living in Laurel County offers a mix of rural and suburban experiences. The county is characterized by its agricultural roots, with farming playing a significant role in the local economy. Suburban life is also prevalent, especially in areas closer to the city of London. The top industries include agriculture, manufacturing, and healthcare. People may be drawn to Laurel County for its affordable housing, peaceful rural settings, and the balance of suburban conveniences, making it an attractive option for those seeking a quieter lifestyle.

County snapshot

Market context.

KY

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

Market areaLondonMapped market area
Area code30940CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Laurel County

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

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