KY mortgage rates

Metcalfe County

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

Metcalfe 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 Metcalfe 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 Metcalfe

A local view of the market.

Metcalfe County, Kentucky, has a diverse real estate market with a median listing home price of approximately $202,500 as of October 2024, which reflects a slight decrease of 7.6% from the previous year. The county is considered a buyer's market, with homes typically selling for about 5% below the asking price and staying on the market for an average of 72 days. The largest city in Metcalfe County is Edmonton, with a population of around 1,696 people. Other notable areas include the balance of Metcalfe County, which encompasses the remaining population of approximately 8,695. Living in Metcalfe County offers a predominantly rural lifestyle, characterized by rolling hills and flat bottomlands that support agriculture as the major industry. The county's economy is largely driven by farming, with numerous small farms contributing to the local economy. The rural setting and agricultural opportunities attract individuals seeking a quieter, more pastoral lifestyle, often moving from urban areas for the tranquility and community-oriented living.

County snapshot

Market context.

KY

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

Market areaGlasgowMapped market area
Area code23980CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Metcalfe County

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

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