Loan Limits / Kentucky / Estill County
2026 Loan Limits · Kentucky · RICHMOND-BEREA, KY
Estill County, KY.
2026 conforming and FHA loan limits, calibrated to a median sales price of $265,000.
Median Sales Price
$265,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$541,287
Floor
Jumbo Threshold
> $832,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Standard conforming| 1-unit (single-family) | $832,750 |
| 2-unit (duplex) | $1,066,250 |
| 3-unit (triplex) | $1,288,800 |
| 4-unit (fourplex) | $1,601,750 |
FHA Forward (203b)
Floor| 1-unit (single-family) | $541,287 |
| 2-unit (duplex) | $693,050 |
| 3-unit (triplex) | $837,700 |
| 4-unit (fourplex) | $1,041,125 |
About this county
About Estill County
Estill County is a county located in the U.S. state of Kentucky. As of the 2020 census, the population was 14,163. Its county seat is Irvine. The county was formed in 1808 and named for Captain James Estill, a Kentucky militia officer who was killed in the Battle of Little Mountain during the American Revolutionary War. Estill County is a moist county meaning that the county seat, the city of Irvine, allows the sale of alcohol after the October 9, 2013, vote, but not the rest of Estill County outside the Irvine city limits. Estill County has two adjacent towns, known as the twin cities, Irvine and Ravenna. Both cities sit along the Kentucky River in the central part of the county. Ravenna is home to a former CSX Transportation facility, now owned by Kentucky Steam Heritage Corporation for the restoration of Chesapeake and Ohio 2716. It conducts the Ravenna Railroad Festival annually in late summer, and the historic Fitchburg & Cottage Furnaces are located here. Irvine hosts the annual Mountain Mushroom Festival over the last weekend of April, which celebrates the abundant Morel Mushrooms found in the region. Read more on Wikipedia →
Population
14,079
U.S. Census ACS 2023
Median Household Income
$43,905
U.S. Census ACS 2023
Median Home Value (Census)
$111,900
Owner-occupied · ACS 2023
Owner-Occupancy Rate
72%
Of occupied housing
What these limits mean for buyers in Estill County
The 2026 conforming 1-unit limit for Estill County is $832,750. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Estill County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $541,287. The HUD CHUMS table pegs the median sales price for Estill County at $265,000. This matches the FHA national floor — Estill County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Estill County ($265,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
Estill County 2-, 3-, and 4-unit conforming limits are $1,066,250, $1,288,800, and $1,601,750 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Estill County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.