Cumberland County, Kentucky loan limits 2026
FIPS 21057 · 2 ZIP codes, e.g. 42717, 42759
In Cumberland County the 2026 conforming loan limit is $832,750 for a single-family home — the national baseline. The FHA limit is $541,287. Anything above $832,750 is a jumbo loan.
Does my loan fit?
How much home fits under the limit?
The highest home price you can buy with a loan that still fits the 2026 limit, at that down payment. Your actual budget depends on income, debts, rates and the lender.
Conforming limit in Cumberland County, 2024–2026
Single-family limit set by the FHFA each year. The 2027 limits are announced in late November 2026 — this page updates automatically.
Loan limits by number of units
| Property | Conforming 2026 | FHA 2026 | Conforming vs. 2025 |
|---|---|---|---|
| 1 unit (single-family) | $832,750 | $541,287 | +3.3% |
| 2 units | $1,066,250 | $693,050 | +3.3% |
| 3 units | $1,288,800 | $837,700 | +3.3% |
| 4 units | $1,601,750 | $1,041,125 | +3.3% |
Conforming limits (FHFA) apply to loans bought by Fannie Mae and Freddie Mac; VA loans with partial entitlement use the same county limit. FHA limits (HUD) cap FHA-insured mortgages.
HUD income limits FY2026
Area median family income: $65,000 · Cumberland County, KY
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $40,250 | $46,000 | $51,750 | $57,500 | $62,100 | $66,700 | $71,300 | $75,900 |
| Very low income (50%) | $25,200 | $28,800 | $32,400 | $35,950 | $38,850 | $41,750 | $44,600 | $47,500 |
| Extremely low income (30%) | $15,960 | $21,640 | $27,320 | $33,000 | $38,680 | $41,750 | $44,600 | $47,500 |
Used for housing assistance and many down-payment and first-time-buyer programs. Programs set their own rules; check the program you apply to.
Fair market rent FY2027
| Unit | Fair market rent FY2027 | FY2026 | Change |
|---|---|---|---|
| Studio | $650/mo | $619 | +5% |
| 1 bedroom | $819/mo | $701 | +16.8% |
| 2 bedrooms | $909/mo | $866 | +5% |
| 3 bedrooms | $1,259/mo | $1,204 | +4.6% |
| 4 bedrooms | $1,270/mo | $1,209 | +5% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Cumberland County, KY.
Other counties in Kentucky
Highest limits first.
Official figures, not a loan offer. Limits come from FHFA and HUD publications. Loanlimitmap.com is an independent site — not a government website and not a lender. Whether you qualify for a loan is decided by your lender; check the current figures with them.
Questions
What is the conforming loan limit in Cumberland County, KY for 2026?
$832,750 for a one-unit property ($1,066,250 for 2 units, $1,288,800 for 3, $1,601,750 for 4), set by the FHFA; it was $806,500 in 2025.
What is the FHA loan limit in Cumberland County?
$541,287 for a single-family home in 2026 (HUD), up to $1,041,125 for a four-unit property.
What counts as a jumbo loan in Cumberland County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Cumberland County in 2026.
What are the HUD income limits in Cumberland County?
For a family of four (FY2026): low income $57,500, very low income $35,950, extremely low income $33,000; area median family income $65,000.
What is the fair market rent in Cumberland County?
$909 a month for a two-bedroom unit in FY2027 (HUD), $819 for one bedroom.