KY mortgage rates

Montgomery County

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

Montgomery 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 Montgomery 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 Montgomery

A local view of the market.

The real estate market in Montgomery County, Kentucky, is currently characterized as a seller's market, with the median home sold price at $214,950 as of October 2024. This represents a slight increase of 0.6% from the previous year, indicating a stable yet competitive market. The median price per square foot stands at $124, reflecting the county's moderate pricing compared to larger urban areas. Montgomery County includes several notable cities, with Mount Sterling being the largest. Mount Sterling has a population of approximately 7,000 residents, serving as the county seat and a central hub for commerce and community activities. Other smaller communities contribute to the county's overall rural charm and appeal. Living in Montgomery County offers a blend of rural and suburban experiences. The area is known for its agricultural roots, with farming and related industries playing a significant role in the local economy. The county's scenic landscapes and quieter lifestyle attract those looking to escape the hustle of city life, contributing to a trend of migration from urban to rural settings. The top industries include agriculture, manufacturing, and retail, providing diverse employment opportunities for residents.

County snapshot

Market context.

KY

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

Market areaMount SterlingMapped market area
Area code34460CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Montgomery County

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

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