Rowan County, Kentucky loan limits 2026
FIPS 21205 · 4 ZIP codes, e.g. 40313, 40317, 40319, 40351
In Rowan 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 Rowan 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: $75,700 · Rowan County, KY
| Household size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Low income (80%) | $42,400 | $48,450 | $54,500 | $60,550 | $65,400 | $70,250 | $75,100 | $79,950 |
| Very low income (50%) | $26,500 | $30,300 | $34,100 | $37,850 | $40,900 | $43,950 | $46,950 | $50,000 |
| Extremely low income (30%) | $15,960 | $21,640 | $27,320 | $33,000 | $38,680 | $43,950 | $46,950 | $50,000 |
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 | $701/mo | $628 | +11.6% |
| 1 bedroom | $791/mo | $735 | +7.6% |
| 2 bedrooms | $977/mo | $911 | +7.2% |
| 3 bedrooms | $1,252/mo | $1,156 | +8.3% |
| 4 bedrooms | $1,633/mo | $1,528 | +6.9% |
HUD's fair market rent: the 40th-percentile gross rent (rent plus utilities) for standard units, used for Housing Choice Vouchers. Area: Rowan 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 Rowan 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 Rowan 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 Rowan County?
A mortgage above $832,750 for a single-family home is a jumbo (non-conforming) loan in Rowan County in 2026.
What are the HUD income limits in Rowan County?
For a family of four (FY2026): low income $60,550, very low income $37,850, extremely low income $33,000; area median family income $75,700.
What is the fair market rent in Rowan County?
$977 a month for a two-bedroom unit in FY2027 (HUD), $791 for one bedroom.