Jefferson County, KY Mortgage Calculator
Estimate your monthly mortgage payment in Jefferson County with local property tax rates, homeowners insurance, and 2025 FHA and conforming loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$1,509
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $184,000
LTV: 0.01%
P&I Payment
$1,218
Total Interest
$254,474
over loan life
Payoff
30 yr
Closing Costs
$3,597–$6,714
est. range
Monthly Payment Breakdown
2025 Loan Limit Context
FHA Limit
$524,225
Conforming Limit
$806,500
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $1,218 | $152 | $1,066 | $183,848 | $1,066 |
| 2 | $1,218 | $153 | $1,065 | $183,694 | $2,130 |
| 3 | $1,218 | $154 | $1,064 | $183,540 | $3,194 |
| 4 | $1,218 | $155 | $1,063 | $183,385 | $4,257 |
| 5 | $1,218 | $156 | $1,062 | $183,230 | $5,319 |
| 6 | $1,218 | $157 | $1,061 | $183,073 | $6,381 |
| 7 | $1,218 | $158 | $1,060 | $182,915 | $7,441 |
| 8 | $1,218 | $159 | $1,059 | $182,756 | $8,500 |
| 9 | $1,218 | $160 | $1,058 | $182,597 | $9,559 |
| 10 | $1,218 | $160 | $1,058 | $182,437 | $10,616 |
| 11 | $1,218 | $161 | $1,057 | $182,275 | $11,673 |
| 12 | $1,218 | $162 | $1,056 | $182,113 | $12,729 |
Months 1–12 of 360
2025 Loan Limits — Jefferson County, KY
| Limit Type | 2025 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $524,225 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $806,500 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
FAQ — Jefferson County Mortgage
What is the property tax rate in Jefferson County?
The effective property tax rate in Jefferson County is approximately 0.91%. This means a home worth $230,000 would have an estimated annual tax bill of about $2,093.
What is the 2025 FHA loan limit in Jefferson County?
The 2025 FHA loan limit for a single-family home in Jefferson County, KY is $524,225.
What is the conforming loan limit in Jefferson County?
The 2025 conforming loan limit in Jefferson County is $806,500. Loans above this amount are considered jumbo loans.