KY mortgage rates

Spencer County

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

Spencer 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 Spencer 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 Spencer

A local view of the market.

Spencer County, Kentucky's real estate market is experiencing a downward trend, with the median listing home price at $385,000 as of October 2024, which is a 12.5% decrease from the previous year. The median price per square foot is $206, and homes typically sell for around $345,000, indicating a slight gap between listing and selling prices. The county comprises three main cities: Taylorsville, Mount Eden, and Elk Creek. Taylorsville, the county seat, is the most affordable with a median home price of $362,000. Mount Eden has a median listing price of $375,000, while Elk Creek is the most expensive, with homes listed at a median price of $522,300. Living in Spencer County offers a blend of rural and suburban experiences, with a strong emphasis on agriculture and open spaces. The area is known for its farming and agricultural activities, contributing to its rural charm. The county attracts those seeking a quieter lifestyle away from urban centers, with many moving here for the spacious living and community atmosphere. Key industries include agriculture and local businesses, drawing people who appreciate the balance of rural and suburban life.

County snapshot

Market context.

KY

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

Market areaLouisville/Jefferson CountyMapped market area
Area code31140CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Spencer County

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

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