KY mortgage rates

Nelson County

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

Nelson 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 Nelson 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 Nelson

A local view of the market.

The real estate market in Nelson County, Kentucky, is currently experiencing a seller's market, with a median home sold price of $260,840 as of October 2024. This represents a 4.5% increase from the previous year, indicating a steady rise in property values. The median price per square foot stands at $181, reflecting the county's growing appeal and competitive housing market. Nelson County's top cities include Bardstown, Bloomfield, and New Haven. Bardstown, the county seat, is the largest city with a population of approximately 13,579. Bloomfield and New Haven follow with populations of 959 and 798, respectively. Living in Nelson County offers a blend of rural and suburban experiences, with a strong presence of agriculture and bourbon distilling industries. The county's economy benefits significantly from bourbon tourism, making it an attractive location for those seeking employment in this sector. The area's rural charm, combined with suburban conveniences, draws people looking for a quieter lifestyle with access to urban amenities, contributing to its steady population growth.

County snapshot

Market context.

KY

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

Market areaBardstownMapped market area
Area code12680CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Nelson County

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

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