Kentucky loan limits 2026 by county
In 2026, every one of the 120 counties in Kentucky has the $832,750 baseline conforming loan limit for a one-unit home. Every Kentucky county has the $541,287 FHA floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
$832,750
Highest conforming limit, 1 unit (2026)
0 of 120
Counties above the $832,750 baseline
$541,287
Highest FHA limit, 1 unit (2026)
0 of 120
Counties above the $541,287 FHA floor
FHA and conforming loan limits for every Kentucky county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Adair County | $832,750 | $541,287 | Non-Metro |
| Allen County | $832,750 | $541,287 | Bowling Green, KY |
| Anderson County | $832,750 | $541,287 | Frankfort, KY |
| Ballard County | $832,750 | $541,287 | Paducah, KY-IL |
| Barren County | $832,750 | $541,287 | Glasgow, KY |
| Bath County | $832,750 | $541,287 | Mount Sterling, KY |
| Bell County | $832,750 | $541,287 | Middlesborough, KY |
| Boone County | $832,750 | $541,287 | Cincinnati, OH-KY-IN |
| Bourbon County | $832,750 | $541,287 | Lexington-Fayette, KY |
| Boyd County | $832,750 | $541,287 | Huntington-Ashland, WV-KY-OH |
| Boyle County | $832,750 | $541,287 | Danville, KY |
| Bracken County | $832,750 | $541,287 | Cincinnati, OH-KY-IN |
| Breathitt County | $832,750 | $541,287 | Non-Metro |
| Breckinridge County | $832,750 | $541,287 | Non-Metro |
| Bullitt County | $832,750 | $541,287 | Louisville/Jefferson County, KY-IN |
| Butler County | $832,750 | $541,287 | Bowling Green, KY |
| Caldwell County | $832,750 | $541,287 | Non-Metro |
| Calloway County | $832,750 | $541,287 | Murray, KY |
| Campbell County | $832,750 | $541,287 | Cincinnati, OH-KY-IN |
| Carlisle County | $832,750 | $541,287 | Paducah, KY-IL |
| Carroll County | $832,750 | $541,287 | Non-Metro |
| Carter County | $832,750 | $541,287 | Huntington-Ashland, WV-KY-OH |
| Casey County | $832,750 | $541,287 | Non-Metro |
| Christian County | $832,750 | $541,287 | Clarksville, TN-KY |
| Clark County | $832,750 | $541,287 | Lexington-Fayette, KY |
| Clay County | $832,750 | $541,287 | Corbin, KY |
| Clinton County | $832,750 | $541,287 | Non-Metro |
| Crittenden County | $832,750 | $541,287 | Non-Metro |
| Cumberland County | $832,750 | $541,287 | Non-Metro |
| Daviess County | $832,750 | $541,287 | Owensboro, KY |
| Edmonson County | $832,750 | $541,287 | Bowling Green, KY |
| Elliott County | $832,750 | $541,287 | Non-Metro |
| Estill County | $832,750 | $541,287 | Richmond-Berea, KY |
| Fayette County | $832,750 | $541,287 | Lexington-Fayette, KY |
| Fleming County | $832,750 | $541,287 | Non-Metro |
| Floyd County | $832,750 | $541,287 | Pikeville, KY |
| Franklin County | $832,750 | $541,287 | Frankfort, KY |
| Fulton County | $832,750 | $541,287 | Non-Metro |
| Gallatin County | $832,750 | $541,287 | Cincinnati, OH-KY-IN |
| Garrard County | $832,750 | $541,287 | Non-Metro |
| Grant County | $832,750 | $541,287 | Cincinnati, OH-KY-IN |
| Graves County | $832,750 | $541,287 | Mayfield, KY |
| Grayson County | $832,750 | $541,287 | Non-Metro |
| Green County | $832,750 | $541,287 | Campbellsville, KY |
| Greenup County | $832,750 | $541,287 | Huntington-Ashland, WV-KY-OH |
| Hancock County | $832,750 | $541,287 | Non-Metro |
| Hardin County | $832,750 | $541,287 | Elizabethtown, KY |
| Harlan County | $832,750 | $541,287 | Non-Metro |
| Harrison County | $832,750 | $541,287 | Non-Metro |
| Hart County | $832,750 | $541,287 | Non-Metro |
| Henderson County | $832,750 | $541,287 | Henderson, KY |
| Henry County | $832,750 | $541,287 | Louisville/Jefferson County, KY-IN |
| Hickman County | $832,750 | $541,287 | Non-Metro |
| Hopkins County | $832,750 | $541,287 | Madisonville, KY |
| Jackson County | $832,750 | $541,287 | Non-Metro |
| Jefferson County | $832,750 | $541,287 | Louisville/Jefferson County, KY-IN |
| Jessamine County | $832,750 | $541,287 | Lexington-Fayette, KY |
| Johnson County | $832,750 | $541,287 | Non-Metro |
| Kenton County | $832,750 | $541,287 | Cincinnati, OH-KY-IN |
| Knott County | $832,750 | $541,287 | Non-Metro |
| Knox County | $832,750 | $541,287 | Corbin, KY |
| Larue County | $832,750 | $541,287 | Elizabethtown, KY |
| Laurel County | $832,750 | $541,287 | Corbin, KY |
| Lawrence County | $832,750 | $541,287 | Huntington-Ashland, WV-KY-OH |
| Lee County | $832,750 | $541,287 | Non-Metro |
| Leslie County | $832,750 | $541,287 | Non-Metro |
| Letcher County | $832,750 | $541,287 | Non-Metro |
| Lewis County | $832,750 | $541,287 | Non-Metro |
| Lincoln County | $832,750 | $541,287 | Danville, KY |
| Livingston County | $832,750 | $541,287 | Paducah, KY-IL |
| Logan County | $832,750 | $541,287 | Non-Metro |
| Lyon County | $832,750 | $541,287 | Non-Metro |
| Madison County | $832,750 | $541,287 | Richmond-Berea, KY |
| Magoffin County | $832,750 | $541,287 | Non-Metro |
| Marion County | $832,750 | $541,287 | Non-Metro |
| Marshall County | $832,750 | $541,287 | Non-Metro |
| Martin County | $832,750 | $541,287 | Non-Metro |
| Mason County | $832,750 | $541,287 | Non-Metro |
| McCracken County | $832,750 | $541,287 | Paducah, KY-IL |
| McCreary County | $832,750 | $541,287 | Non-Metro |
| McLean County | $832,750 | $541,287 | Owensboro, KY |
| Meade County | $832,750 | $541,287 | Louisville/Jefferson County, KY-IN |
| Menifee County | $832,750 | $541,287 | Mount Sterling, KY |
| Mercer County | $832,750 | $541,287 | Non-Metro |
| Metcalfe County | $832,750 | $541,287 | Glasgow, KY |
| Monroe County | $832,750 | $541,287 | Non-Metro |
| Montgomery County | $832,750 | $541,287 | Mount Sterling, KY |
| Morgan County | $832,750 | $541,287 | Non-Metro |
| Muhlenberg County | $832,750 | $541,287 | Non-Metro |
| Nelson County | $832,750 | $541,287 | Louisville/Jefferson County, KY-IN |
| Nicholas County | $832,750 | $541,287 | Non-Metro |
| Ohio County | $832,750 | $541,287 | Non-Metro |
| Oldham County | $832,750 | $541,287 | Louisville/Jefferson County, KY-IN |
| Owen County | $832,750 | $541,287 | Non-Metro |
| Owsley County | $832,750 | $541,287 | Non-Metro |
| Pendleton County | $832,750 | $541,287 | Cincinnati, OH-KY-IN |
| Perry County | $832,750 | $541,287 | Non-Metro |
| Pike County | $832,750 | $541,287 | Pikeville, KY |
| Powell County | $832,750 | $541,287 | Non-Metro |
| Pulaski County | $832,750 | $541,287 | Somerset, KY |
| Robertson County | $832,750 | $541,287 | Non-Metro |
| Rockcastle County | $832,750 | $541,287 | Richmond-Berea, KY |
| Rowan County | $832,750 | $541,287 | Non-Metro |
| Russell County | $832,750 | $541,287 | Non-Metro |
| Scott County | $832,750 | $541,287 | Lexington-Fayette, KY |
| Shelby County | $832,750 | $541,287 | Louisville/Jefferson County, KY-IN |
| Simpson County | $832,750 | $541,287 | Franklin, KY |
| Spencer County | $832,750 | $541,287 | Louisville/Jefferson County, KY-IN |
| Taylor County | $832,750 | $541,287 | Campbellsville, KY |
| Todd County | $832,750 | $541,287 | Non-Metro |
| Trigg County | $832,750 | $541,287 | Clarksville, TN-KY |
| Trimble County | $832,750 | $541,287 | Non-Metro |
| Union County | $832,750 | $541,287 | Non-Metro |
| Warren County | $832,750 | $541,287 | Bowling Green, KY |
| Washington County | $832,750 | $541,287 | Non-Metro |
| Wayne County | $832,750 | $541,287 | Non-Metro |
| Webster County | $832,750 | $541,287 | Henderson, KY |
| Whitley County | $832,750 | $541,287 | Corbin, KY |
| Wolfe County | $832,750 | $541,287 | Non-Metro |
| Woodford County | $832,750 | $541,287 | Lexington-Fayette, KY |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
FHA, VA and conforming limits in Kentucky
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- Kentucky fair market rentsHUD Fair Market Rents for every Kentucky county, studios to 4 bedrooms.
- Kentucky property tax ratesEffective property tax rate for every Kentucky county from survey data.
For the title side (owner of record, deeds, mortgages, liens), see the counties HeritageDeed covers; a title report is $49 per report.
Questions about Kentucky loan limits
What are the FHA loan limits in Kentucky for 2026?
$541,287 to $541,287 for a one-unit home, depending on the county. Every county is at the national floor of $541,287. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in Kentucky for 2026?
$832,750 for a one-unit home in every Kentucky county, effective January 1, 2026 (FHFA).
What is the VA loan limit in Kentucky?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 in Kentucky for 2026: 25 percent of that limit minus the entitlement already used.
Which Kentucky counties have the highest loan limits?
Conforming: every county is at the baseline. FHA: Adair County at $541,287. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Illinois loan limitsIndiana loan limitsMissouri loan limitsOhio loan limitsTennessee loan limitsVirginia loan limitsWest Virginia loan limits
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/kentucky. Not lending advice.