Loan Limits / Kentucky
2026 Loan Limits · KY
Kentucky loan limits.
All 120 counties in Kentucky with their 2026 conforming and FHA loan limits. Click a county for full multi-unit limits and context.
120 counties
1-unit limits shown · click for full detail| County | Median Price | GSE 1u | GSE Class | FHA 1u | FHA Class |
|---|---|---|---|---|---|
| Adair | $90,000 | $832,750 | Standard | $541,287 | Standard |
| Allen | $270,000 | $832,750 | Standard | $541,287 | Standard |
| Anderson | $225,000 | $832,750 | Standard | $541,287 | Standard |
| Ballard | $185,000 | $832,750 | Standard | $541,287 | Standard |
| Barren | $150,000 | $832,750 | Standard | $541,287 | Standard |
| Bath | $188,000 | $832,750 | Standard | $541,287 | Standard |
| Bell | $55,000 | $832,750 | Standard | $541,287 | Standard |
| Boone | $380,000 | $832,750 | Standard | $541,287 | Standard |
| Bourbon | $328,000 | $832,750 | Standard | $541,287 | Standard |
| Boyd | $243,000 | $832,750 | Standard | $541,287 | Standard |
| Boyle | $200,000 | $832,750 | Standard | $541,287 | Standard |
| Bracken | $380,000 | $832,750 | Standard | $541,287 | Standard |
| Breathitt | $20,000 | $832,750 | Standard | $541,287 | Standard |
| Breckinridge | $87,000 | $832,750 | Standard | $541,287 | Standard |
| Bullitt | $427,000 | $832,750 | Standard | $541,287 | Standard |
| Butler | $270,000 | $832,750 | Standard | $541,287 | Standard |
| Caldwell | $89,000 | $832,750 | Standard | $541,287 | Standard |
| Calloway | $173,000 | $832,750 | Standard | $541,287 | Standard |
| Campbell | $380,000 | $832,750 | Standard | $541,287 | Standard |
| Carlisle | $185,000 | $832,750 | Standard | $541,287 | Standard |
| Carroll | $125,000 | $832,750 | Standard | $541,287 | Standard |
| Carter | $243,000 | $832,750 | Standard | $541,287 | Standard |
| Casey | $184,000 | $832,750 | Standard | $541,287 | Standard |
| Christian | $305,000 | $832,750 | Standard | $541,287 | Standard |
| Clark | $328,000 | $832,750 | Standard | $541,287 | Standard |
| Clay | $163,000 | $832,750 | Standard | $541,287 | Standard |
| Clinton | $72,000 | $832,750 | Standard | $541,287 | Standard |
| Crittenden | $100,000 | $832,750 | Standard | $541,287 | Standard |
| Cumberland | $53,000 | $832,750 | Standard | $541,287 | Standard |
| Daviess | $200,000 | $832,750 | Standard | $541,287 | Standard |
| Edmonson | $270,000 | $832,750 | Standard | $541,287 | Standard |
| Elliott | $132,000 | $832,750 | Standard | $541,287 | Standard |
| Estill | $265,000 | $832,750 | Standard | $541,287 | Standard |
| Fayette | $328,000 | $832,750 | Standard | $541,287 | Standard |
| Fleming | $102,000 | $832,750 | Standard | $541,287 | Standard |
| Floyd | $109,000 | $832,750 | Standard | $541,287 | Standard |
| Franklin | $225,000 | $832,750 | Standard | $541,287 | Standard |
| Fulton | $80,000 | $832,750 | Standard | $541,287 | Standard |
| Gallatin | $380,000 | $832,750 | Standard | $541,287 | Standard |
| Garrard | $163,000 | $832,750 | Standard | $541,287 | Standard |
| Grant | $380,000 | $832,750 | Standard | $541,287 | Standard |
| Graves | $210,000 | $832,750 | Standard | $541,287 | Standard |
| Grayson | $80,000 | $832,750 | Standard | $541,287 | Standard |
| Green | $150,000 | $832,750 | Standard | $541,287 | Standard |
| Greenup | $243,000 | $832,750 | Standard | $541,287 | Standard |
| Hancock | $118,000 | $832,750 | Standard | $541,287 | Standard |
| Hardin | $248,000 | $832,750 | Standard | $541,287 | Standard |
| Harlan | $35,000 | $832,750 | Standard | $541,287 | Standard |
| Harrison | $195,000 | $832,750 | Standard | $541,287 | Standard |
| Hart | $251,000 | $832,750 | Standard | $541,287 | Standard |
| Henderson | $165,000 | $832,750 | Standard | $541,287 | Standard |
| Henry | $427,000 | $832,750 | Standard | $541,287 | Standard |
| Hickman | $65,000 | $832,750 | Standard | $541,287 | Standard |
| Hopkins | $130,000 | $832,750 | Standard | $541,287 | Standard |
| Jackson | $39,000 | $832,750 | Standard | $541,287 | Standard |
| Jefferson | $427,000 | $832,750 | Standard | $541,287 | Standard |
| Jessamine | $328,000 | $832,750 | Standard | $541,287 | Standard |
| Johnson | $115,000 | $832,750 | Standard | $541,287 | Standard |
| Kenton | $380,000 | $832,750 | Standard | $541,287 | Standard |
| Knott | $72,000 | $832,750 | Standard | $541,287 | Standard |
| Knox | $163,000 | $832,750 | Standard | $541,287 | Standard |
| Larue | $248,000 | $832,750 | Standard | $541,287 | Standard |
| Laurel | $163,000 | $832,750 | Standard | $541,287 | Standard |
| Lawrence | $243,000 | $832,750 | Standard | $541,287 | Standard |
| Lee | $111,000 | $832,750 | Standard | $541,287 | Standard |
| Leslie | $101,000 | $832,750 | Standard | $541,287 | Standard |
| Letcher | $96,000 | $832,750 | Standard | $541,287 | Standard |
| Lewis | $54,000 | $832,750 | Standard | $541,287 | Standard |
| Lincoln | $200,000 | $832,750 | Standard | $541,287 | Standard |
| Livingston | $185,000 | $832,750 | Standard | $541,287 | Standard |
| Logan | $195,000 | $832,750 | Standard | $541,287 | Standard |
| Lyon | $145,000 | $832,750 | Standard | $541,287 | Standard |
| Madison | $265,000 | $832,750 | Standard | $541,287 | Standard |
| Magoffin | $25,000 | $832,750 | Standard | $541,287 | Standard |
| Marion | $155,000 | $832,750 | Standard | $541,287 | Standard |
| Marshall | $155,000 | $832,750 | Standard | $541,287 | Standard |
| Martin | $115,000 | $832,750 | Standard | $541,287 | Standard |
| Mason | $130,000 | $832,750 | Standard | $541,287 | Standard |
| Mccracken | $185,000 | $832,750 | Standard | $541,287 | Standard |
| Mccreary | $116,000 | $832,750 | Standard | $541,287 | Standard |
| Mclean | $200,000 | $832,750 | Standard | $541,287 | Standard |
| Meade | $427,000 | $832,750 | Standard | $541,287 | Standard |
| Menifee | $188,000 | $832,750 | Standard | $541,287 | Standard |
| Mercer | $180,000 | $832,750 | Standard | $541,287 | Standard |
| Metcalfe | $150,000 | $832,750 | Standard | $541,287 | Standard |
| Monroe | $75,000 | $832,750 | Standard | $541,287 | Standard |
| Montgomery | $188,000 | $832,750 | Standard | $541,287 | Standard |
| Morgan | $116,000 | $832,750 | Standard | $541,287 | Standard |
| Muhlenberg | $84,000 | $832,750 | Standard | $541,287 | Standard |
| Nelson | $427,000 | $832,750 | Standard | $541,287 | Standard |
| Nicholas | $113,000 | $832,750 | Standard | $541,287 | Standard |
| Ohio | $107,000 | $832,750 | Standard | $541,287 | Standard |
| Oldham | $427,000 | $832,750 | Standard | $541,287 | Standard |
| Owen | $105,000 | $832,750 | Standard | $541,287 | Standard |
| Owsley | $123,000 | $832,750 | Standard | $541,287 | Standard |
| Pendleton | $380,000 | $832,750 | Standard | $541,287 | Standard |
| Perry | $123,000 | $832,750 | Standard | $541,287 | Standard |
| Pike | $109,000 | $832,750 | Standard | $541,287 | Standard |
| Powell | $150,000 | $832,750 | Standard | $541,287 | Standard |
| Pulaski | $145,000 | $832,750 | Standard | $541,287 | Standard |
| Robertson | $103,000 | $832,750 | Standard | $541,287 | Standard |
| Rockcastle | $265,000 | $832,750 | Standard | $541,287 | Standard |
| Rowan | $170,000 | $832,750 | Standard | $541,287 | Standard |
| Russell | $88,000 | $832,750 | Standard | $541,287 | Standard |
| Scott | $328,000 | $832,750 | Standard | $541,287 | Standard |
| Shelby | $427,000 | $832,750 | Standard | $541,287 | Standard |
| Simpson | $363,000 | $832,750 | Standard | $541,287 | Standard |
| Spencer | $427,000 | $832,750 | Standard | $541,287 | Standard |
| Taylor | $150,000 | $832,750 | Standard | $541,287 | Standard |
| Todd | $160,000 | $832,750 | Standard | $541,287 | Standard |
| Trigg | $305,000 | $832,750 | Standard | $541,287 | Standard |
| Trimble | $125,000 | $832,750 | Standard | $541,287 | Standard |
| Union | $80,000 | $832,750 | Standard | $541,287 | Standard |
| Warren | $270,000 | $832,750 | Standard | $541,287 | Standard |
| Washington | $204,000 | $832,750 | Standard | $541,287 | Standard |
| Wayne | $80,000 | $832,750 | Standard | $541,287 | Standard |
| Webster | $165,000 | $832,750 | Standard | $541,287 | Standard |
| Whitley | $163,000 | $832,750 | Standard | $541,287 | Standard |
| Wolfe | $25,000 | $832,750 | Standard | $541,287 | Standard |
| Woodford | $328,000 | $832,750 | Standard | $541,287 | Standard |
Kentucky at a glance
120 counties indexed. All counties use the standard conforming and FHA limits. The highest GSE 1-unit limit in Kentucky is $832,750 in Adair County.
Loan amount above the conforming limit for your county? You're in jumbo territory. Below the FHA ceiling? FHA financing is on the table. We can run the numbers for any property in Kentucky.