KY mortgage rates

Union County

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

Union 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 Union 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 Union

A local view of the market.

Union County, Kentucky, has a dynamic real estate market with median home prices trending upward. As of October 2024, the median listing home price in Union County was approximately $179,900, reflecting a 12.9% increase year-over-year. The median home sold price was $120,000, indicating a balanced market where supply and demand are roughly equal. The top cities in Union County include Morganfield, with a population of 3,106, and Sturgis, housing 1,653 residents. Other notable areas are Breckinridge Center and Uniontown, with populations of 1,718 and 892, respectively. Union County offers a predominantly rural lifestyle with a strong emphasis on agriculture and farming. The local economy is supported by coal mining, farming, and light industry, attracting individuals seeking a quieter, rural environment with opportunities for outdoor activities like hunting and hiking. The county's affordable housing and rural charm make it an appealing destination for those looking to escape urban life.

Questions & Answers

Refinancing in Union County

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

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