Loan Limits / Kentucky / Owsley County
2026 Loan Limits · Kentucky · NON-METRO
Owsley County, KY.
2026 conforming and FHA loan limits, calibrated to a median sales price of $123,000.
Median Sales Price
$123,000
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 Owsley County
Owsley County is a county located in the Eastern Coalfield region of the U.S. state of Kentucky. As of the 2020 census, the population was 4,051, making it the second-least populous county in Kentucky. The county seat is Booneville. The county was organized on January 23, 1843, from Clay, Estill, and Breathitt counties and named for William Owsley (1782–1862), the judge of the Kentucky Court of Appeals and Governor of Kentucky (1844–48). According to the 2010 census reports, Owsley County has the second-highest level of child poverty of any county in the United States. In terms of income per household, the county is the poorest in the nation. Between 1980 and 2014, the rate of death from cancer in the county increased by 45.6 percent, the largest such increase of any county in the United States. Read more on Wikipedia →
Population
4,021
U.S. Census ACS 2023
Median Household Income
$31,064
U.S. Census ACS 2023
Median Home Value (Census)
$79,900
Owner-occupied · ACS 2023
Owner-Occupancy Rate
68%
Of occupied housing
What these limits mean for buyers in Owsley County
The 2026 conforming 1-unit limit for Owsley 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. Owsley 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 Owsley County at $123,000. This matches the FHA national floor — Owsley County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Owsley County ($123,000) 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
Owsley 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 Owsley County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.