KY mortgage rates

Madison County

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

Madison 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 Madison 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
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Madison

A local view of the market.

Madison County, Kentucky's real estate market in 2024 shows a median listing home price of $309,900, which has decreased by 3.1% compared to the previous year. The median sold home price is slightly lower at $297,400, indicating a balanced market where supply and demand are relatively equal. The top cities in Madison County include Richmond and Berea. Richmond, the largest city, has a median listing home price of $328,900 and offers 439 homes for sale. Berea, known for its affordability, has a median listing home price of $259,900 with 185 homes available for sale. Living in Madison County offers a mix of rural and suburban experiences. The county is characterized by its agricultural roots, with farming and agriculture playing significant roles in the local economy. Suburban life is also prominent, particularly in areas like Richmond and Berea. The county attracts new residents due to its affordable housing, quality schools, and a strong sense of community, making it a desirable location for families and retirees alike.

County snapshot

Market context.

KY

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

Market areaRichmond-BereaMapped market area
Area code40080CBSA / MSA reference
Featured communityRichmondFrom the county record
Data year2026Aligned with this limit record
Richmond
Top cities & communities

Communities to explore.

Richmond
Questions & Answers

Refinancing in Madison County

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

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