What are the loan limits in each Kentucky county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Adair County | $832,750 | $541,287 | $693,050 | $134,800 |
| Allen County | $832,750 | $541,287 | $693,050 | $176,300 |
| Anderson County | $832,750 | $541,287 | $693,050 | $213,200 |
| Ballard County | $832,750 | $541,287 | $693,050 | $132,900 |
| Barren County | $832,750 | $541,287 | $693,050 | $166,900 |
| Bath County | $832,750 | $541,287 | $693,050 | $111,800 |
| Bell County | $832,750 | $541,287 | $693,050 | $83,000 |
| Boone County | $832,750 | $541,287 | $693,050 | $253,200 |
| Bourbon County | $832,750 | $541,287 | $693,050 | $211,600 |
| Boyd County | $832,750 | $541,287 | $693,050 | $126,300 |
| Boyle County | $832,750 | $541,287 | $693,050 | $200,700 |
| Bracken County | $832,750 | $541,287 | $693,050 | $116,400 |
| Breathitt County | $832,750 | $541,287 | $693,050 | $61,800 |
| Breckinridge County | $832,750 | $541,287 | $693,050 | $141,400 |
| Bullitt County | $832,750 | $541,287 | $693,050 | $233,700 |
| Butler County | $832,750 | $541,287 | $693,050 | $105,500 |
| Caldwell County | $832,750 | $541,287 | $693,050 | $113,500 |
| Calloway County | $832,750 | $541,287 | $693,050 | $181,200 |
| Campbell County | $832,750 | $541,287 | $693,050 | $234,500 |
| Carlisle County | $832,750 | $541,287 | $693,050 | $104,700 |
| Carroll County | $832,750 | $541,287 | $693,050 | $129,800 |
| Carter County | $832,750 | $541,287 | $693,050 | $126,100 |
| Casey County | $832,750 | $541,287 | $693,050 | $135,700 |
| Christian County | $832,750 | $541,287 | $693,050 | $149,200 |
| Clark County | $832,750 | $541,287 | $693,050 | $197,900 |
| Clay County | $832,750 | $541,287 | $693,050 | $87,300 |
| Clinton County | $832,750 | $541,287 | $693,050 | $114,000 |
| Crittenden County | $832,750 | $541,287 | $693,050 | $115,700 |
| Cumberland County | $832,750 | $541,287 | $693,050 | $128,600 |
| Daviess County | $832,750 | $541,287 | $693,050 | $185,800 |
| Edmonson County | $832,750 | $541,287 | $693,050 | $136,600 |
| Elliott County | $832,750 | $541,287 | $693,050 | $97,400 |
| Estill County | $832,750 | $541,287 | $693,050 | $111,900 |
| Fayette County | $832,750 | $541,287 | $693,050 | $272,100 |
| Fleming County | $832,750 | $541,287 | $693,050 | $115,200 |
| Floyd County | $832,750 | $541,287 | $693,050 | $93,300 |
| Franklin County | $832,750 | $541,287 | $693,050 | $198,700 |
| Fulton County | $832,750 | $541,287 | $693,050 | $78,100 |
| Gallatin County | $832,750 | $541,287 | $693,050 | $169,400 |
| Garrard County | $832,750 | $541,287 | $693,050 | $186,800 |
| Grant County | $832,750 | $541,287 | $693,050 | $185,500 |
| Graves County | $832,750 | $541,287 | $693,050 | $139,000 |
| Grayson County | $832,750 | $541,287 | $693,050 | $160,100 |
| Green County | $832,750 | $541,287 | $693,050 | $118,900 |
| Greenup County | $832,750 | $541,287 | $693,050 | $135,300 |
| Hancock County | $832,750 | $541,287 | $693,050 | $137,600 |
| Hardin County | $832,750 | $541,287 | $693,050 | $205,900 |
| Harlan County | $832,750 | $541,287 | $693,050 | $73,100 |
| Harrison County | $832,750 | $541,287 | $693,050 | $188,900 |
| Hart County | $832,750 | $541,287 | $693,050 | $124,600 |
| Henderson County | $832,750 | $541,287 | $693,050 | $165,700 |
| Henry County | $832,750 | $541,287 | $693,050 | $181,300 |
| Hickman County | $832,750 | $541,287 | $693,050 | $92,300 |
| Hopkins County | $832,750 | $541,287 | $693,050 | $128,800 |
| Jackson County | $832,750 | $541,287 | $693,050 | $107,000 |
| Jefferson County | $832,750 | $541,287 | $693,050 | $237,200 |
| Jessamine County | $832,750 | $541,287 | $693,050 | $245,100 |
| Johnson County | $832,750 | $541,287 | $693,050 | $125,300 |
| Kenton County | $832,750 | $541,287 | $693,050 | $227,500 |
| Knott County | $832,750 | $541,287 | $693,050 | $74,600 |
| Knox County | $832,750 | $541,287 | $693,050 | $109,200 |
| Larue County | $832,750 | $541,287 | $693,050 | $177,500 |
| Laurel County | $832,750 | $541,287 | $693,050 | $143,400 |
| Lawrence County | $832,750 | $541,287 | $693,050 | $108,100 |
| Lee County | $832,750 | $541,287 | $693,050 | $82,100 |
| Leslie County | $832,750 | $541,287 | $693,050 | $74,100 |
| Letcher County | $832,750 | $541,287 | $693,050 | $70,500 |
| Lewis County | $832,750 | $541,287 | $693,050 | $86,100 |
| Lincoln County | $832,750 | $541,287 | $693,050 | $139,300 |
| Livingston County | $832,750 | $541,287 | $693,050 | $116,300 |
| Logan County | $832,750 | $541,287 | $693,050 | $151,500 |
| Lyon County | $832,750 | $541,287 | $693,050 | $183,600 |
| Madison County | $832,750 | $541,287 | $693,050 | $220,700 |
| Magoffin County | $832,750 | $541,287 | $693,050 | $88,300 |
| Marion County | $832,750 | $541,287 | $693,050 | $158,700 |
| Marshall County | $832,750 | $541,287 | $693,050 | $173,700 |
| Martin County | $832,750 | $541,287 | $693,050 | $84,900 |
| Mason County | $832,750 | $541,287 | $693,050 | $157,500 |
| McCracken County | $832,750 | $541,287 | $693,050 | $182,900 |
| McCreary County | $832,750 | $541,287 | $693,050 | $77,000 |
| McLean County | $832,750 | $541,287 | $693,050 | $145,600 |
| Meade County | $832,750 | $541,287 | $693,050 | $195,000 |
| Menifee County | $832,750 | $541,287 | $693,050 | $111,500 |
| Mercer County | $832,750 | $541,287 | $693,050 | $189,700 |
| Metcalfe County | $832,750 | $541,287 | $693,050 | $103,100 |
| Monroe County | $832,750 | $541,287 | $693,050 | $116,300 |
| Montgomery County | $832,750 | $541,287 | $693,050 | $163,800 |
| Morgan County | $832,750 | $541,287 | $693,050 | $106,000 |
| Muhlenberg County | $832,750 | $541,287 | $693,050 | $121,300 |
| Nelson County | $832,750 | $541,287 | $693,050 | $224,100 |
| Nicholas County | $832,750 | $541,287 | $693,050 | $119,600 |
| Ohio County | $832,750 | $541,287 | $693,050 | $113,400 |
| Oldham County | $832,750 | $541,287 | $693,050 | $375,000 |
| Owen County | $832,750 | $541,287 | $693,050 | $165,000 |
| Owsley County | $832,750 | $541,287 | $693,050 | $79,900 |
| Pendleton County | $832,750 | $541,287 | $693,050 | $160,800 |
| Perry County | $832,750 | $541,287 | $693,050 | $90,700 |
| Pike County | $832,750 | $541,287 | $693,050 | $104,200 |
| Powell County | $832,750 | $541,287 | $693,050 | $142,400 |
| Pulaski County | $832,750 | $541,287 | $693,050 | $156,300 |
| Robertson County | $832,750 | $541,287 | $693,050 | $123,400 |
| Rockcastle County | $832,750 | $541,287 | $693,050 | $119,300 |
| Rowan County | $832,750 | $541,287 | $693,050 | $155,900 |
| Russell County | $832,750 | $541,287 | $693,050 | $148,200 |
| Scott County | $832,750 | $541,287 | $693,050 | $264,200 |
| Shelby County | $832,750 | $541,287 | $693,050 | $277,500 |
| Simpson County | $832,750 | $541,287 | $693,050 | $195,700 |
| Spencer County | $832,750 | $541,287 | $693,050 | $297,600 |
| Taylor County | $832,750 | $541,287 | $693,050 | $163,700 |
| Todd County | $832,750 | $541,287 | $693,050 | $157,400 |
| Trigg County | $832,750 | $541,287 | $693,050 | $192,000 |
| Trimble County | $832,750 | $541,287 | $693,050 | $172,700 |
| Union County | $832,750 | $541,287 | $693,050 | $109,000 |
| Warren County | $832,750 | $541,287 | $693,050 | $242,600 |
| Washington County | $832,750 | $541,287 | $693,050 | $168,300 |
| Wayne County | $832,750 | $541,287 | $693,050 | $121,700 |
| Webster County | $832,750 | $541,287 | $693,050 | $97,600 |
| Whitley County | $832,750 | $541,287 | $693,050 | $120,600 |
| Wolfe County | $832,750 | $541,287 | $693,050 | $66,400 |
| Woodford County | $832,750 | $541,287 | $693,050 | $270,400 |
Which Kentucky counties are high-cost areas?
No Kentucky county is above the national baseline, so the conforming limit is $832,750 statewide.
Largest cities in Kentucky
Frequently asked questions
FHA one-unit limits in Kentucky start at $541,287. In Jefferson County, the most populous county, it's $541,287.
The 2026 one-unit conforming limit in Jefferson County is $832,750.
With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
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