Loan Limits / Kentucky / Larue County
2026 Loan Limits · Kentucky · ELIZABETHTOWN, KY
Larue County, KY.
2026 conforming and FHA loan limits, calibrated to a median sales price of $248,000.
Median Sales Price
$248,000
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 Larue County
LaRue County is a county in the central region of the U.S. state of Kentucky, outside the Bluegrass Region and larger population centers. As of the 2020 census, the population was 14,867. Its county seat is Hodgenville, which is best known as the birthplace of United States President Abraham Lincoln. The county was established on March 4, 1843, from the southeast portion of Hardin County. It was named for John P. LaRue, an early settler. LaRue County is included in the Elizabethtown-Fort Knox, KY Metropolitan Statistical Area, which is also included in the Louisville/Jefferson County-Elizabethtown-Bardstown, KY-IN Combined Statistical Area. It is a dry county. Read more on Wikipedia →
Population
15,028
U.S. Census ACS 2023
Median Household Income
$67,770
U.S. Census ACS 2023
Median Home Value (Census)
$177,500
Owner-occupied · ACS 2023
Owner-Occupancy Rate
76%
Of occupied housing
What these limits mean for buyers in Larue County
The 2026 conforming 1-unit limit for Larue 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. Larue 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 Larue County at $248,000. This matches the FHA national floor — Larue County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Larue County ($248,000) 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
Larue 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 Larue County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.