Kentucky Loan Limits by County, 2026
How big a loan can your county back?
About these limits
FHA and conforming limits are set per county each year by HUD and FHFA. A loan above the limit is a jumbo loan with different rules. Source: HUD CHUMS file for 2026 and FHFA county limits.
FHA and conforming (Fannie Mae and Freddie Mac) limits for a one-unit home in all 120 Kentucky counties. Every county is at the national floor.
Choose your county to see the answer.
CountyHouseholdIncomePriceSavings
More about loan limits
Kentucky counties
| County | FHA limit (1 unit) | Conforming limit (1 unit) | Area |
|---|---|---|---|
| Adair County | $541,287 | $832,750 | Floor |
| Allen County | $541,287 | $832,750 | Floor |
| Anderson County | $541,287 | $832,750 | Floor |
| Ballard County | $541,287 | $832,750 | Floor |
| Barren County | $541,287 | $832,750 | Floor |
| Bath County | $541,287 | $832,750 | Floor |
| Bell County | $541,287 | $832,750 | Floor |
| Boone County | $541,287 | $832,750 | Floor |
| Bourbon County | $541,287 | $832,750 | Floor |
| Boyd County | $541,287 | $832,750 | Floor |
| Boyle County | $541,287 | $832,750 | Floor |
| Bracken County | $541,287 | $832,750 | Floor |
| Breathitt County | $541,287 | $832,750 | Floor |
| Breckinridge County | $541,287 | $832,750 | Floor |
| Bullitt County | $541,287 | $832,750 | Floor |
| Butler County | $541,287 | $832,750 | Floor |
| Caldwell County | $541,287 | $832,750 | Floor |
| Calloway County | $541,287 | $832,750 | Floor |
| Campbell County | $541,287 | $832,750 | Floor |
| Carlisle County | $541,287 | $832,750 | Floor |
| Carroll County | $541,287 | $832,750 | Floor |
| Carter County | $541,287 | $832,750 | Floor |
| Casey County | $541,287 | $832,750 | Floor |
| Christian County | $541,287 | $832,750 | Floor |
| Clark County | $541,287 | $832,750 | Floor |
| Clay County | $541,287 | $832,750 | Floor |
| Clinton County | $541,287 | $832,750 | Floor |
| Crittenden County | $541,287 | $832,750 | Floor |
| Cumberland County | $541,287 | $832,750 | Floor |
| Daviess County | $541,287 | $832,750 | Floor |
| Edmonson County | $541,287 | $832,750 | Floor |
| Elliott County | $541,287 | $832,750 | Floor |
| Estill County | $541,287 | $832,750 | Floor |
| Fayette County | $541,287 | $832,750 | Floor |
| Fleming County | $541,287 | $832,750 | Floor |
| Floyd County | $541,287 | $832,750 | Floor |
| Franklin County | $541,287 | $832,750 | Floor |
| Fulton County | $541,287 | $832,750 | Floor |
| Gallatin County | $541,287 | $832,750 | Floor |
| Garrard County | $541,287 | $832,750 | Floor |
| Grant County | $541,287 | $832,750 | Floor |
| Graves County | $541,287 | $832,750 | Floor |
| Grayson County | $541,287 | $832,750 | Floor |
| Green County | $541,287 | $832,750 | Floor |
| Greenup County | $541,287 | $832,750 | Floor |
| Hancock County | $541,287 | $832,750 | Floor |
| Hardin County | $541,287 | $832,750 | Floor |
| Harlan County | $541,287 | $832,750 | Floor |
| Harrison County | $541,287 | $832,750 | Floor |
| Hart County | $541,287 | $832,750 | Floor |
| Henderson County | $541,287 | $832,750 | Floor |
| Henry County | $541,287 | $832,750 | Floor |
| Hickman County | $541,287 | $832,750 | Floor |
| Hopkins County | $541,287 | $832,750 | Floor |
| Jackson County | $541,287 | $832,750 | Floor |
| Jefferson County | $541,287 | $832,750 | Floor |
| Jessamine County | $541,287 | $832,750 | Floor |
| Johnson County | $541,287 | $832,750 | Floor |
| Kenton County | $541,287 | $832,750 | Floor |
| Knott County | $541,287 | $832,750 | Floor |
| Knox County | $541,287 | $832,750 | Floor |
| Larue County | $541,287 | $832,750 | Floor |
| Laurel County | $541,287 | $832,750 | Floor |
| Lawrence County | $541,287 | $832,750 | Floor |
| Lee County | $541,287 | $832,750 | Floor |
| Leslie County | $541,287 | $832,750 | Floor |
| Letcher County | $541,287 | $832,750 | Floor |
| Lewis County | $541,287 | $832,750 | Floor |
| Lincoln County | $541,287 | $832,750 | Floor |
| Livingston County | $541,287 | $832,750 | Floor |
| Logan County | $541,287 | $832,750 | Floor |
| Lyon County | $541,287 | $832,750 | Floor |
| Madison County | $541,287 | $832,750 | Floor |
| Magoffin County | $541,287 | $832,750 | Floor |
| Marion County | $541,287 | $832,750 | Floor |
| Marshall County | $541,287 | $832,750 | Floor |
| Martin County | $541,287 | $832,750 | Floor |
| Mason County | $541,287 | $832,750 | Floor |
| McCracken County | $541,287 | $832,750 | Floor |
| McCreary County | $541,287 | $832,750 | Floor |
| McLean County | $541,287 | $832,750 | Floor |
| Meade County | $541,287 | $832,750 | Floor |
| Menifee County | $541,287 | $832,750 | Floor |
| Mercer County | $541,287 | $832,750 | Floor |
| Metcalfe County | $541,287 | $832,750 | Floor |
| Monroe County | $541,287 | $832,750 | Floor |
| Montgomery County | $541,287 | $832,750 | Floor |
| Morgan County | $541,287 | $832,750 | Floor |
| Muhlenberg County | $541,287 | $832,750 | Floor |
| Nelson County | $541,287 | $832,750 | Floor |
| Nicholas County | $541,287 | $832,750 | Floor |
| Ohio County | $541,287 | $832,750 | Floor |
| Oldham County | $541,287 | $832,750 | Floor |
| Owen County | $541,287 | $832,750 | Floor |
| Owsley County | $541,287 | $832,750 | Floor |
| Pendleton County | $541,287 | $832,750 | Floor |
| Perry County | $541,287 | $832,750 | Floor |
| Pike County | $541,287 | $832,750 | Floor |
| Powell County | $541,287 | $832,750 | Floor |
| Pulaski County | $541,287 | $832,750 | Floor |
| Robertson County | $541,287 | $832,750 | Floor |
| Rockcastle County | $541,287 | $832,750 | Floor |
| Rowan County | $541,287 | $832,750 | Floor |
| Russell County | $541,287 | $832,750 | Floor |
| Scott County | $541,287 | $832,750 | Floor |
| Shelby County | $541,287 | $832,750 | Floor |
| Simpson County | $541,287 | $832,750 | Floor |
| Spencer County | $541,287 | $832,750 | Floor |
| Taylor County | $541,287 | $832,750 | Floor |
| Todd County | $541,287 | $832,750 | Floor |
| Trigg County | $541,287 | $832,750 | Floor |
| Trimble County | $541,287 | $832,750 | Floor |
| Union County | $541,287 | $832,750 | Floor |
| Warren County | $541,287 | $832,750 | Floor |
| Washington County | $541,287 | $832,750 | Floor |
| Wayne County | $541,287 | $832,750 | Floor |
| Webster County | $541,287 | $832,750 | Floor |
| Whitley County | $541,287 | $832,750 | Floor |
| Wolfe County | $541,287 | $832,750 | Floor |
| Woodford County | $541,287 | $832,750 | Floor |
Sources
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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