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2026 Kentucky loan limits by county
Kentucky has 120 counties in the 2026 FHFA list. The highest one-unit conforming limit is $832,750 in Woodford County; the state median is $832,750. 0 of 120 are above the $832,750 national baseline. 120 sit at the 2026 FHA floor of $541,287.
- 120Counties listed
- $832,750Highest 1-unit conformingWoodford County
- $832,750Median 1-unit conforming
- 120At FHA floorof 120
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| Adair County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Allen County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Anderson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Ballard County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Barren County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bath County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bell County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Boone County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bourbon County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Boyd County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Boyle County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bracken County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Breathitt County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Breckinridge County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bullitt County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Butler County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Caldwell County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Calloway County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Campbell County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Carlisle County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Carroll County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Carter County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Casey County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Christian County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Clark County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Clay County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Clinton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Crittenden County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cumberland County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Daviess County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Edmonson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Elliott County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Estill County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Fayette County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Fleming County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Floyd County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Franklin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Fulton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Gallatin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Garrard County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Grant County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Graves County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Grayson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Green County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Greenup County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hancock County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hardin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Harlan County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Harrison County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hart County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Henderson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Henry County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hickman County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hopkins County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jackson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jefferson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jessamine County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Johnson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Kenton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Knott County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Knox County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Larue County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Laurel County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lawrence County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Leslie County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Letcher County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lewis County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lincoln County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Livingston County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Logan County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lyon County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Madison County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Magoffin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Marion County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Marshall County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Martin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mason County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| McCracken County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| McCreary County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| McLean County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Meade County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Menifee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mercer County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Metcalfe County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Monroe County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Montgomery County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Morgan County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Muhlenberg County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Nelson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Nicholas County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Ohio County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Oldham County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Owen County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Owsley County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pendleton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Perry County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pike County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Powell County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pulaski County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Robertson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Rockcastle County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Rowan County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Russell County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Scott County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Shelby County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Simpson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Spencer County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Taylor County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Todd County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Trigg County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Trimble County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Union County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Warren County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Washington County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wayne County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Webster County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Whitley County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wolfe County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Woodford County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.