KY mortgage rates

Woodford County

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

Woodford 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 Woodford 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 Woodford

A local view of the market.

The real estate market in Woodford County, Kentucky, is currently experiencing a seller's market, with home prices on the rise. As of October 2024, the median home sold price was $359,966, reflecting a 7.2% increase from the previous year. The median price per square foot stands at $186, indicating a robust demand for housing in the area. Woodford County is home to several notable cities, with Versailles being the largest city, boasting a population of approximately 10,362 residents. Midway is another key city in the county, known for its small-town charm and a population of around 1,620. Living in Woodford County offers a blend of rural and suburban lifestyles, with a strong emphasis on agriculture and equestrian activities. The county is renowned for its picturesque landscapes, including horse farms and bourbon distilleries, which contribute significantly to the local economy. Many residents are drawn to the area for its serene rural environment and the opportunity to engage in farming and outdoor activities, while still enjoying the conveniences of 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 areaLexington-FayetteMapped market area
Area code30460CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Woodford County

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

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