KY mortgage rates

Warren County

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

Warren 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 Warren 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 Warren

A local view of the market.

Warren County, Kentucky's real estate market is experiencing a dynamic period with a median home value of $277,473, reflecting a 2.1% increase over the past year. Homes typically go pending in about 31 days, indicating a relatively brisk market pace. The median sale price of homes in the county was $307,450 in September 2024, marking a 6.0% increase from the previous year. Bowling Green is the largest city in Warren County and serves as a central hub with a population of approximately 70,000 residents. Other notable cities include Smiths Grove, Alvaton, and Woodburn, each contributing to the county's diverse community landscape. These cities offer a mix of suburban and rural living, attracting a variety of residents. Living in Warren County offers a blend of rural and suburban experiences, with agriculture playing a significant role in the local economy. The county is known for its rich farmland and agricultural activities, which coexist with suburban developments. Key industries include manufacturing, healthcare, and education, which drive economic growth and attract new residents. The county's appeal is enhanced by its affordable housing market and the quality of life it offers, making it an attractive destination for those seeking a balance between rural charm and suburban convenience.

County snapshot

Market context.

KY

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

Market areaBowling GreenMapped market area
Area code14540CBSA / MSA reference
Featured communityBowling GreenFrom the county record
Data year2026Aligned with this limit record
Bowling Green
Top cities & communities

Communities to explore.

Bowling Green
Questions & Answers

Refinancing in Warren County

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

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