KY mortgage rates

Scott County

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

Scott 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 Scott 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 Scott

A local view of the market.

The real estate market in Scott County, Kentucky, has seen significant growth over the past year. As of October 2024, the median home sold price in the county was $335,279, marking a 10.3% increase from the previous year. The median price per square foot was $193, indicating a robust market with rising property values. Scott County includes several notable cities, with Georgetown being the largest. Georgetown has a population of approximately 37,000 residents and serves as the county seat. Other key cities in the county include Stamping Ground and Sadieville, which contribute to the county's overall population and economic activities. Living in Scott County offers a blend of rural and suburban experiences. The county is known for its agricultural roots, with many farms and open spaces, yet it also provides suburban amenities, making it attractive for families and professionals. The top industries include manufacturing, agriculture, and education, drawing people to the area for job opportunities and a balanced lifestyle. The county's proximity to Lexington also makes it a desirable location for those seeking a quieter environment while still being close to urban conveniences.

County snapshot

Market context.

KY

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

Market areaLexington-FayetteMapped market area
Area code30460CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Scott County

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

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