KY mortgage rates

Lawrence County

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

Lawrence 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 Lawrence 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 Lawrence

A local view of the market.

In Lawrence County, Kentucky, the real estate market is experiencing a positive trend. As of October 2024, the median listing home price was $227,500, showing a 3.9% increase year-over-year. The median sold home price was slightly lower at $217,500, indicating a buyer's market where homes are selling for about 2.86% below the asking price. The top cities in Lawrence County include Louisa and Blaine. Louisa, the county seat, has a population of approximately 2,676, making it the largest city in the county. Blaine, on the other hand, is much smaller with a population of around 68. Lawrence County offers a predominantly rural lifestyle with a mix of suburban elements. The area is known for its natural beauty, including lush parks and trails, which contribute to a serene living environment. Agriculture plays a significant role in the local economy, alongside other industries such as healthcare and education. The county attracts new residents seeking a quieter, more affordable lifestyle compared to urban centers, making it an appealing destination for those looking to escape the hustle and bustle of city life.

Questions & Answers

Refinancing in Lawrence County

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

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