KY mortgage rates

Lincoln County

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

Lincoln 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 Lincoln 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 Lincoln

A local view of the market.

The real estate market in Lincoln County, Kentucky, is currently a buyer's market, with the median sold price for homes being $184,450. This represents a slight decrease of 0.3% from the previous year. The county has seen a variety of changes in home prices based on bedroom count, with notable increases in smaller homes, such as a 35.8% increase in two-bedroom homes. The market's current conditions suggest that buyers may find favorable deals as homes tend to stay on the market longer. Lincoln County includes several notable cities, with Stanford being the county seat and largest city. Stanford is known for its historical significance and small-town charm. Another key city is Crab Orchard, which offers a more rural lifestyle with a smaller population. These cities provide a glimpse into the diverse living environments available within the county, catering to both those seeking a more urban setting and those preferring rural life. Living in Lincoln County offers a blend of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county is characterized by its scenic landscapes and farming communities, making it an attractive destination for those interested in agricultural pursuits or a quieter lifestyle. The top industries include agriculture, manufacturing, and retail, contributing to a stable local economy. Migration patterns suggest that people are drawn to Lincoln County for its affordable housing, rural charm, and the opportunity for a peaceful lifestyle away from the hustle and bustle of larger cities.

County snapshot

Market context.

KY

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

Market areaDanvilleMapped market area
Area code19220CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Lincoln County

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

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