Kentucky Income Limits by County, 2026

Are you under the income limit?

About these limits

HUD publishes a limit for every county each year. Most down payment help uses 80% of the area median income, adjusted for how many people live in the home. Limits are for the HUD area around the county, not the county alone. Source: HUD FY 2026 Income Limits.

HUD's area median family income and the low-income limit (80% of median, family of four) for all 120 Kentucky counties, highest median first. These limits gate most down payment assistance and affordable mortgage programs.

Choose your county to see the answer.

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CountyHouseholdIncomePriceSavings
More about income limits
Kentucky counties
CountyArea median incomeLow income (80%), 4 peopleVery low (50%), 4 people
Boone County$109,900$87,900$54,950
Bracken County$109,900$87,900$54,950
Campbell County$109,900$87,900$54,950
Gallatin County$109,900$87,900$54,950
Kenton County$109,900$87,900$54,950
Pendleton County$109,900$87,900$54,950
Shelby County$104,900$83,900$52,450
McCracken County$102,400$79,350$49,600
Bourbon County$102,100$81,700$51,050
Clark County$102,100$81,700$51,050
Fayette County$102,100$81,700$51,050
Jessamine County$102,100$81,700$51,050
Scott County$102,100$81,700$51,050
Woodford County$102,100$81,700$51,050
Bullitt County$99,000$79,200$49,500
Henry County$99,000$79,200$49,500
Jefferson County$99,000$79,200$49,500
Oldham County$99,000$79,200$49,500
Spencer County$99,000$79,200$49,500
Anderson County$96,300$77,050$48,150
Ballard County$94,500$70,750$44,250
Christian County$93,800$75,050$46,900
Trigg County$93,800$75,050$46,900
Daviess County$92,100$73,700$46,050
Franklin County$92,100$73,700$46,050
Hardin County$92,100$70,550$44,100
Larue County$92,100$70,550$44,100
McLean County$92,100$73,700$46,050
Lyon County$91,700$73,350$45,850
Meade County$91,100$72,900$45,550
Mercer County$90,800$72,650$45,400
Harrison County$90,000$72,000$45,000
Nelson County$87,200$69,750$43,600
Hickman County$87,100$69,700$43,550
Grant County$87,000$69,600$43,500
Trimble County$86,400$69,100$43,200
Taylor County$85,900$67,800$42,400
Madison County$85,800$68,650$42,900
Marshall County$85,600$68,500$42,800
Washington County$83,500$67,700$42,300
Boyd County$83,300$66,650$41,650
Greenup County$83,300$66,650$41,650
Owen County$82,900$66,300$41,450
Calloway County$82,300$65,850$41,150
Edmonson County$81,400$65,100$40,700
Livingston County$81,400$65,100$40,700
Warren County$81,400$65,100$40,700
Allen County$80,800$64,650$40,400
Boyle County$80,700$64,550$40,350
Hancock County$80,400$64,700$40,450
Henderson County$79,700$63,750$39,850
Carlisle County$79,500$63,600$39,750
Carroll County$79,300$62,950$39,350
Logan County$78,600$62,900$39,300
Simpson County$78,500$62,800$39,250
Marion County$76,600$61,300$38,300
Union County$76,600$61,300$38,300
Nicholas County$76,500$61,200$38,250
Montgomery County$76,200$60,950$38,100
Todd County$76,100$60,900$38,050
Caldwell County$76,000$60,800$38,000
Garrard County$75,900$60,700$37,950
Crittenden County$75,800$62,600$39,100
Rowan County$75,700$60,550$37,850
Pulaski County$75,300$60,250$37,650
Butler County$75,200$60,150$37,600
Hopkins County$74,600$59,700$37,300
Breckinridge County$74,100$59,300$37,050
Webster County$73,100$58,500$36,550
Bath County$72,900$58,300$36,450
Grayson County$72,500$58,000$36,250
Laurel County$72,500$58,000$36,250
Muhlenberg County$72,500$58,000$36,250
Adair County$71,700$57,500$35,950
Rockcastle County$71,700$57,500$35,950
Metcalfe County$71,600$57,500$35,950
Carter County$71,500$57,500$35,950
Mason County$71,300$57,500$35,950
Hart County$69,600$57,500$35,950
Ohio County$69,400$57,500$35,950
Lawrence County$69,100$57,500$35,950
Fleming County$68,900$57,500$35,950
Barren County$68,000$57,500$35,950
Estill County$67,600$57,500$35,950
Lincoln County$66,800$57,500$35,950
Pike County$66,500$57,500$35,950
Cumberland County$65,000$57,500$35,950
Graves County$64,200$57,500$35,950
Monroe County$64,200$57,500$35,950
Robertson County$64,200$57,500$35,950
Johnson County$64,100$57,500$35,950
Russell County$64,100$57,500$35,950
Leslie County$63,100$57,500$35,950
Lewis County$63,100$57,500$35,950
Powell County$62,300$58,400$36,500
Morgan County$62,000$57,500$35,950
Green County$61,600$57,500$35,950
Wayne County$61,500$57,500$35,950
Letcher County$61,300$57,500$35,950
Knott County$60,900$57,500$35,950
Floyd County$60,700$57,500$35,950
Jackson County$59,900$57,500$35,950
Casey County$58,400$57,500$35,950
Whitley County$58,300$57,500$35,950
Perry County$57,200$57,500$35,950
Fulton County$57,000$57,500$35,950
Clinton County$56,200$57,500$35,950
Harlan County$56,000$57,500$35,950
Lee County$56,000$57,500$35,950
Elliott County$55,800$57,500$35,950
Menifee County$54,600$57,500$35,950
Breathitt County$54,300$57,500$35,950
Martin County$52,700$57,500$35,950
Clay County$50,400$57,500$35,950
Owsley County$50,200$57,500$35,950
Bell County$49,700$57,500$35,950
Knox County$48,900$57,500$35,950
McCreary County$44,800$57,500$35,950
Magoffin County$41,200$57,500$35,950
Wolfe County$39,000$57,500$35,950

Sources

Figures are computed from the documents above and rounded to the dollar. All sources.

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