Limits for 2026 · updated 2026-10-29
Kentucky loan limits 2026
All 120 counties in Kentucky use the national baseline conforming limit of $832,750. Click a county for FHA limits, income limits and rents.
Conforming loan limit by county
Baseline ($832,750) 120
All counties
| Adair County | $832,750 | +3.3% | $541,287 | $90,000 | $909 |
| Allen County | $832,750 | +3.3% | $541,287 | $270,000 | $1,019 |
| Anderson County | $832,750 | +3.3% | $541,287 | $225,000 | $1,121 |
| Ballard County | $832,750 | +3.3% | $541,287 | $185,000 | $1,180 |
| Barren County | $832,750 | +3.3% | $541,287 | $150,000 | $916 |
| Bath County | $832,750 | +3.3% | $541,287 | $188,000 | $909 |
| Bell County | $832,750 | +3.3% | $541,287 | $55,000 | $909 |
| Boone County | $832,750 | +3.3% | $541,287 | $380,000 | $1,442 |
| Bourbon County | $832,750 | +3.3% | $541,287 | $328,000 | $1,416 |
| Boyd County | $832,750 | +3.3% | $541,287 | $243,000 | $1,006 |
| Boyle County | $832,750 | +3.3% | $541,287 | $200,000 | $925 |
| Bracken County | $832,750 | +3.3% | $541,287 | $380,000 | $1,442 |
| Breathitt County | $832,750 | +3.3% | $541,287 | $20,000 | $909 |
| Breckinridge County | $832,750 | +3.3% | $541,287 | $87,000 | $909 |
| Bullitt County | $832,750 | +3.3% | $541,287 | $427,000 | $1,276 |
| Butler County | $832,750 | +3.3% | $541,287 | $270,000 | $909 |
| Caldwell County | $832,750 | +3.3% | $541,287 | $89,000 | $909 |
| Calloway County | $832,750 | +3.3% | $541,287 | $173,000 | $1,155 |
| Campbell County | $832,750 | +3.3% | $541,287 | $380,000 | $1,442 |
| Carlisle County | $832,750 | +3.3% | $541,287 | $185,000 | $932 |
| Carroll County | $832,750 | +3.3% | $541,287 | $125,000 | $1,072 |
| Carter County | $832,750 | +3.3% | $541,287 | $243,000 | $909 |
| Casey County | $832,750 | +3.3% | $541,287 | $184,000 | $909 |
| Christian County | $832,750 | +3.3% | $541,287 | $305,000 | $1,307 |
| Clark County | $832,750 | +3.3% | $541,287 | $328,000 | $1,416 |
| Clay County | $832,750 | +3.3% | $541,287 | $163,000 | $909 |
| Clinton County | $832,750 | +3.3% | $541,287 | $72,000 | $909 |
| Crittenden County | $832,750 | +3.3% | $541,287 | $100,000 | $909 |
| Cumberland County | $832,750 | +3.3% | $541,287 | $53,000 | $909 |
| Daviess County | $832,750 | +3.3% | $541,287 | $200,000 | $1,138 |
| Edmonson County | $832,750 | +3.3% | $541,287 | $270,000 | $1,199 |
| Elliott County | $832,750 | +3.3% | $541,287 | $132,000 | $909 |
| Estill County | $832,750 | +3.3% | $541,287 | $265,000 | $909 |
| Fayette County | $832,750 | +3.3% | $541,287 | $328,000 | $1,416 |
| Fleming County | $832,750 | +3.3% | $541,287 | $102,000 | $909 |
| Floyd County | $832,750 | +3.3% | $541,287 | $109,000 | $925 |
| Franklin County | $832,750 | +3.3% | $541,287 | $225,000 | $1,145 |
| Fulton County | $832,750 | +3.3% | $541,287 | $80,000 | $909 |
| Gallatin County | $832,750 | +3.3% | $541,287 | $380,000 | $1,442 |
| Garrard County | $832,750 | +3.3% | $541,287 | $163,000 | $941 |
| Grant County | $832,750 | +3.3% | $541,287 | $380,000 | $1,146 |
| Graves County | $832,750 | +3.3% | $541,287 | $210,000 | $909 |
| Grayson County | $832,750 | +3.3% | $541,287 | $80,000 | $909 |
| Green County | $832,750 | +3.3% | $541,287 | $150,000 | $909 |
| Greenup County | $832,750 | +3.3% | $541,287 | $243,000 | $1,006 |
| Hancock County | $832,750 | +3.3% | $541,287 | $118,000 | $962 |
| Hardin County | $832,750 | +3.3% | $541,287 | $248,000 | $1,087 |
| Harlan County | $832,750 | +3.3% | $541,287 | $35,000 | $909 |
| Harrison County | $832,750 | +3.3% | $541,287 | $195,000 | $909 |
| Hart County | $832,750 | +3.3% | $541,287 | $251,000 | $909 |
| Henderson County | $832,750 | +3.3% | $541,287 | $165,000 | $909 |
| Henry County | $832,750 | +3.3% | $541,287 | $427,000 | $1,276 |
| Hickman County | $832,750 | +3.3% | $541,287 | $65,000 | $909 |
| Hopkins County | $832,750 | +3.3% | $541,287 | $130,000 | $959 |
| Jackson County | $832,750 | +3.3% | $541,287 | $39,000 | $909 |
| Jefferson County | $832,750 | +3.3% | $541,287 | $427,000 | $1,276 |
| Jessamine County | $832,750 | +3.3% | $541,287 | $328,000 | $1,416 |
| Johnson County | $832,750 | +3.3% | $541,287 | $115,000 | $909 |
| Kenton County | $832,750 | +3.3% | $541,287 | $380,000 | $1,442 |
| Knott County | $832,750 | +3.3% | $541,287 | $72,000 | $983 |
| Knox County | $832,750 | +3.3% | $541,287 | $163,000 | $909 |
| Larue County | $832,750 | +3.3% | $541,287 | $248,000 | $1,087 |
| Laurel County | $832,750 | +3.3% | $541,287 | $163,000 | $943 |
| Lawrence County | $832,750 | +3.3% | $541,287 | $243,000 | $971 |
| Lee County | $832,750 | +3.3% | $541,287 | $111,000 | $996 |
| Leslie County | $832,750 | +3.3% | $541,287 | $101,000 | $909 |
| Letcher County | $832,750 | +3.3% | $541,287 | $96,000 | $909 |
| Lewis County | $832,750 | +3.3% | $541,287 | $54,000 | $909 |
| Lincoln County | $832,750 | +3.3% | $541,287 | $200,000 | $909 |
| Livingston County | $832,750 | +3.3% | $541,287 | $185,000 | $1,220 |
| Logan County | $832,750 | +3.3% | $541,287 | $195,000 | $913 |
| Lyon County | $832,750 | +3.3% | $541,287 | $145,000 | $909 |
| Madison County | $832,750 | +3.3% | $541,287 | $265,000 | $993 |
| Magoffin County | $832,750 | +3.3% | $541,287 | $25,000 | $909 |
| Marion County | $832,750 | +3.3% | $541,287 | $155,000 | $909 |
| Marshall County | $832,750 | +3.3% | $541,287 | $155,000 | $918 |
| Martin County | $832,750 | +3.3% | $541,287 | $115,000 | $909 |
| Mason County | $832,750 | +3.3% | $541,287 | $130,000 | $1,001 |
| McCracken County | $832,750 | +3.3% | $541,287 | $185,000 | $1,131 |
| McCreary County | $832,750 | +3.3% | $541,287 | $116,000 | $909 |
| McLean County | $832,750 | +3.3% | $541,287 | $200,000 | $1,138 |
| Meade County | $832,750 | +3.3% | $541,287 | $427,000 | $1,052 |
| Menifee County | $832,750 | +3.3% | $541,287 | $188,000 | $909 |
| Mercer County | $832,750 | +3.3% | $541,287 | $180,000 | $909 |
| Metcalfe County | $832,750 | +3.3% | $541,287 | $150,000 | $909 |
| Monroe County | $832,750 | +3.3% | $541,287 | $75,000 | $909 |
| Montgomery County | $832,750 | +3.3% | $541,287 | $188,000 | $1,004 |
| Morgan County | $832,750 | +3.3% | $541,287 | $116,000 | $909 |
| Muhlenberg County | $832,750 | +3.3% | $541,287 | $84,000 | $909 |
| Nelson County | $832,750 | +3.3% | $541,287 | $427,000 | $1,022 |
| Nicholas County | $832,750 | +3.3% | $541,287 | $113,000 | $909 |
| Ohio County | $832,750 | +3.3% | $541,287 | $107,000 | $909 |
| Oldham County | $832,750 | +3.3% | $541,287 | $427,000 | $1,276 |
| Owen County | $832,750 | +3.3% | $541,287 | $105,000 | $1,022 |
| Owsley County | $832,750 | +3.3% | $541,287 | $123,000 | $909 |
| Pendleton County | $832,750 | +3.3% | $541,287 | $380,000 | $1,442 |
| Perry County | $832,750 | +3.3% | $541,287 | $123,000 | $1,010 |
| Pike County | $832,750 | +3.3% | $541,287 | $109,000 | $1,095 |
| Powell County | $832,750 | +3.3% | $541,287 | $150,000 | $909 |
| Pulaski County | $832,750 | +3.3% | $541,287 | $145,000 | $924 |
| Robertson County | $832,750 | +3.3% | $541,287 | $103,000 | $909 |
| Rockcastle County | $832,750 | +3.3% | $541,287 | $265,000 | $909 |
| Rowan County | $832,750 | +3.3% | $541,287 | $170,000 | $977 |
| Russell County | $832,750 | +3.3% | $541,287 | $88,000 | $909 |
| Scott County | $832,750 | +3.3% | $541,287 | $328,000 | $1,416 |
| Shelby County | $832,750 | +3.3% | $541,287 | $427,000 | $1,149 |
| Simpson County | $832,750 | +3.3% | $541,287 | $363,000 | $1,122 |
| Spencer County | $832,750 | +3.3% | $541,287 | $427,000 | $1,276 |
| Taylor County | $832,750 | +3.3% | $541,287 | $150,000 | $909 |
| Todd County | $832,750 | +3.3% | $541,287 | $160,000 | $1,054 |
| Trigg County | $832,750 | +3.3% | $541,287 | $305,000 | $1,307 |
| Trimble County | $832,750 | +3.3% | $541,287 | $125,000 | $1,175 |
| Union County | $832,750 | +3.3% | $541,287 | $80,000 | $971 |
| Warren County | $832,750 | +3.3% | $541,287 | $270,000 | $1,199 |
| Washington County | $832,750 | +3.3% | $541,287 | $204,000 | $939 |
| Wayne County | $832,750 | +3.3% | $541,287 | $80,000 | $909 |
| Webster County | $832,750 | +3.3% | $541,287 | $165,000 | $909 |
| Whitley County | $832,750 | +3.3% | $541,287 | $163,000 | $909 |
| Wolfe County | $832,750 | +3.3% | $541,287 | $25,000 | $909 |
| Woodford County | $832,750 | +3.3% | $541,287 | $328,000 | $1,416 |
Click a column to sort. 2-BR rent = HUD fair market rent FY2027.
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 Kentucky for 2026?
$832,750 for a single-family home in every county of Kentucky.
What is the FHA loan limit in Kentucky?
From $541,287 to $541,287 for a single-family home in 2026, depending on the county.