KY mortgage rates

Pulaski County

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

Pulaski 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 Pulaski 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 Pulaski

A local view of the market.

The real estate market in Pulaski County, Kentucky, is currently considered neutral, with a median home sold price of $239,000 as of October 2024, reflecting a 5.9% increase from the previous year. Homes in the area generally sell for about $75 per square foot, and the market has seen a rise in the number of homes sold, indicating a stable demand. Pulaski County's largest city is Somerset, which serves as the county seat and has a population of approximately 11,000 residents. Other notable areas include the communities of Burnside and Science Hill, which contribute to the county's overall rural charm and appeal. Living in Pulaski County offers a blend of rural and suburban lifestyles, with a strong emphasis on agriculture and outdoor activities due to its proximity to Lake Cumberland. The county's economy is supported by industries such as manufacturing, healthcare, and tourism, attracting people seeking a quieter lifestyle with access to natural amenities. The migration patterns suggest that people are moving to Pulaski County for its affordable housing and scenic landscapes.

County snapshot

Market context.

KY

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

Market areaSomersetMapped market area
Area code43700CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Pulaski County

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

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