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2026 FHA Loan Limits in Kentucky

Theresa Stevens, Author at LendingTree

Written by  Theresa Stevens

Crissinda Ponder, Editor at LendingTree

Edited by  Crissinda Ponder

Updated
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Are you looking to buy a home in Kentucky with an FHA loan? If so, it’s important to understand your local FHA loan limits, as they impact how much you can borrow. In all Kentucky counties, the FHA loan limit is $541,287 for a single-family home and up to $1,041,125 for a four-unit property.

Kentucky FHA loan limits by county

County nameOne unitTwo unitsThree unitsFour unitsMedian sales price
ADAIR COUNTY$541,287 $693,050 $837,700 $1,041,125 $90,000
ALLEN COUNTY$541,287 $693,050 $837,700 $1,041,125 $270,000
ANDERSON COUNTY$541,287 $693,050 $837,700 $1,041,125 $225,000
BALLARD COUNTY$541,287 $693,050 $837,700 $1,041,125 $185,000
BARREN COUNTY$541,287 $693,050 $837,700 $1,041,125 $150,000
BATH COUNTY$541,287 $693,050 $837,700 $1,041,125 $188,000
BELL COUNTY$541,287 $693,050 $837,700 $1,041,125 $55,000
BOONE COUNTY$541,287 $693,050 $837,700 $1,041,125 $380,000
BOURBON COUNTY$541,287 $693,050 $837,700 $1,041,125 $328,000
BOYD COUNTY$541,287 $693,050 $837,700 $1,041,125 $243,000
BOYLE COUNTY$541,287 $693,050 $837,700 $1,041,125 $200,000
BRACKEN COUNTY$541,287 $693,050 $837,700 $1,041,125 $380,000
BREATHITT COUNT$541,287 $693,050 $837,700 $1,041,125 $20,000
BRECKINRIDGE CO$541,287 $693,050 $837,700 $1,041,125 $87,000
BULLITT COUNTY$541,287 $693,050 $837,700 $1,041,125 $427,000
BUTLER COUNTY$541,287 $693,050 $837,700 $1,041,125 $270,000
CALDWELL COUNTY$541,287 $693,050 $837,700 $1,041,125 $89,000
CALLOWAY COUNTY$541,287 $693,050 $837,700 $1,041,125 $173,000
CAMPBELL COUNTY$541,287 $693,050 $837,700 $1,041,125 $380,000
CARLISLE COUNTY$541,287 $693,050 $837,700 $1,041,125 $185,000
CARROLL COUNTY$541,287 $693,050 $837,700 $1,041,125 $125,000
CARTER COUNTY$541,287 $693,050 $837,700 $1,041,125 $243,000
CASEY COUNTY$541,287 $693,050 $837,700 $1,041,125 $184,000
CHRISTIAN COUNT$541,287 $693,050 $837,700 $1,041,125 $305,000
CLARK COUNTY$541,287 $693,050 $837,700 $1,041,125 $328,000
CLAY COUNTY$541,287 $693,050 $837,700 $1,041,125 $163,000
CLINTON COUNTY$541,287 $693,050 $837,700 $1,041,125 $72,000
CRITTENDEN COUN$541,287 $693,050 $837,700 $1,041,125 $100,000
CUMBERLAND COUN$541,287 $693,050 $837,700 $1,041,125 $53,000
DAVIESS COUNTY$541,287 $693,050 $837,700 $1,041,125 $200,000
EDMONSON COUNTY$541,287 $693,050 $837,700 $1,041,125 $270,000
ELLIOTT COUNTY$541,287 $693,050 $837,700 $1,041,125 $132,000
ESTILL COUNTY$541,287 $693,050 $837,700 $1,041,125 $265,000
FAYETTE COUNTY$541,287 $693,050 $837,700 $1,041,125 $328,000
FLEMING COUNTY$541,287 $693,050 $837,700 $1,041,125 $102,000
FLOYD COUNTY$541,287 $693,050 $837,700 $1,041,125 $109,000
FRANKLIN COUNTY$541,287 $693,050 $837,700 $1,041,125 $225,000
FULTON COUNTY$541,287 $693,050 $837,700 $1,041,125 $80,000
GALLATIN COUNTY$541,287 $693,050 $837,700 $1,041,125 $380,000
GARRARD COUNTY$541,287 $693,050 $837,700 $1,041,125 $163,000
GRANT COUNTY$541,287 $693,050 $837,700 $1,041,125 $380,000
GRAVES COUNTY$541,287 $693,050 $837,700 $1,041,125 $210,000
GRAYSON COUNTY$541,287 $693,050 $837,700 $1,041,125 $80,000
GREEN COUNTY$541,287 $693,050 $837,700 $1,041,125 $150,000
GREENUP COUNTY$541,287 $693,050 $837,700 $1,041,125 $243,000
HANCOCK COUNTY$541,287 $693,050 $837,700 $1,041,125 $118,000
HARDIN COUNTY$541,287 $693,050 $837,700 $1,041,125 $248,000
HARLAN COUNTY$541,287 $693,050 $837,700 $1,041,125 $35,000
HARRISON COUNTY$541,287 $693,050 $837,700 $1,041,125 $195,000
HART COUNTY$541,287 $693,050 $837,700 $1,041,125 $251,000
HENDERSON COUNT$541,287 $693,050 $837,700 $1,041,125 $165,000
HENRY COUNTY$541,287 $693,050 $837,700 $1,041,125 $427,000
HICKMAN COUNTY$541,287 $693,050 $837,700 $1,041,125 $65,000
HOPKINS COUNTY$541,287 $693,050 $837,700 $1,041,125 $130,000
JACKSON COUNTY$541,287 $693,050 $837,700 $1,041,125 $39,000
JEFFERSON COUNT$541,287 $693,050 $837,700 $1,041,125 $427,000
JESSAMINE COUNT$541,287 $693,050 $837,700 $1,041,125 $328,000
JOHNSON COUNTY$541,287 $693,050 $837,700 $1,041,125 $115,000
KENTON COUNTY$541,287 $693,050 $837,700 $1,041,125 $380,000
KNOTT COUNTY$541,287 $693,050 $837,700 $1,041,125 $72,000
KNOX COUNTY$541,287 $693,050 $837,700 $1,041,125 $163,000
LARUE COUNTY$541,287 $693,050 $837,700 $1,041,125 $248,000
LAUREL COUNTY$541,287 $693,050 $837,700 $1,041,125 $163,000
LAWRENCE COUNTY$541,287 $693,050 $837,700 $1,041,125 $243,000
LEE COUNTY$541,287 $693,050 $837,700 $1,041,125 $111,000
LESLIE COUNTY$541,287 $693,050 $837,700 $1,041,125 $101,000
LETCHER COUNTY$541,287 $693,050 $837,700 $1,041,125 $96,000
LEWIS COUNTY$541,287 $693,050 $837,700 $1,041,125 $54,000
LINCOLN COUNTY$541,287 $693,050 $837,700 $1,041,125 $200,000
LIVINGSTON COUN$541,287 $693,050 $837,700 $1,041,125 $185,000
LOGAN COUNTY$541,287 $693,050 $837,700 $1,041,125 $195,000
LYON COUNTY$541,287 $693,050 $837,700 $1,041,125 $145,000
MADISON COUNTY$541,287 $693,050 $837,700 $1,041,125 $265,000
MAGOFFIN COUNTY$541,287 $693,050 $837,700 $1,041,125 $25,000
MARION COUNTY$541,287 $693,050 $837,700 $1,041,125 $155,000
MARSHALL COUNTY$541,287 $693,050 $837,700 $1,041,125 $155,000
MARTIN COUNTY$541,287 $693,050 $837,700 $1,041,125 $115,000
MASON COUNTY$541,287 $693,050 $837,700 $1,041,125 $130,000
MCCRACKEN COUNT$541,287 $693,050 $837,700 $1,041,125 $185,000
MCCREARY COUNTY$541,287 $693,050 $837,700 $1,041,125 $116,000
MCLEAN COUNTY$541,287 $693,050 $837,700 $1,041,125 $200,000
MEADE COUNTY$541,287 $693,050 $837,700 $1,041,125 $427,000
MENIFEE COUNTY$541,287 $693,050 $837,700 $1,041,125 $188,000
MERCER COUNTY$541,287 $693,050 $837,700 $1,041,125 $180,000
METCALFE COUNTY$541,287 $693,050 $837,700 $1,041,125 $150,000
MONROE COUNTY$541,287 $693,050 $837,700 $1,041,125 $75,000
MONTGOMERY COUN$541,287 $693,050 $837,700 $1,041,125 $188,000
MORGAN COUNTY$541,287 $693,050 $837,700 $1,041,125 $116,000
MUHLENBERG COUN$541,287 $693,050 $837,700 $1,041,125 $84,000
NELSON COUNTY$541,287 $693,050 $837,700 $1,041,125 $427,000
NICHOLAS COUNTY$541,287 $693,050 $837,700 $1,041,125 $113,000
OHIO COUNTY$541,287 $693,050 $837,700 $1,041,125 $107,000
OLDHAM COUNTY$541,287 $693,050 $837,700 $1,041,125 $427,000
OWEN COUNTY$541,287 $693,050 $837,700 $1,041,125 $105,000
OWSLEY COUNTY$541,287 $693,050 $837,700 $1,041,125 $123,000
PENDLETON COUNT$541,287 $693,050 $837,700 $1,041,125 $380,000
PERRY COUNTY$541,287 $693,050 $837,700 $1,041,125 $123,000
PIKE COUNTY$541,287 $693,050 $837,700 $1,041,125 $109,000
POWELL COUNTY$541,287 $693,050 $837,700 $1,041,125 $150,000
PULASKI COUNTY$541,287 $693,050 $837,700 $1,041,125 $145,000
ROBERTSON COUNT$541,287 $693,050 $837,700 $1,041,125 $103,000
ROCKCASTLE COUN$541,287 $693,050 $837,700 $1,041,125 $265,000
ROWAN COUNTY$541,287 $693,050 $837,700 $1,041,125 $170,000
RUSSELL COUNTY$541,287 $693,050 $837,700 $1,041,125 $88,000
SCOTT COUNTY$541,287 $693,050 $837,700 $1,041,125 $328,000
SHELBY COUNTY$541,287 $693,050 $837,700 $1,041,125 $427,000
SIMPSON COUNTY$541,287 $693,050 $837,700 $1,041,125 $363,000
SPENCER COUNTY$541,287 $693,050 $837,700 $1,041,125 $427,000
TAYLOR COUNTY$541,287 $693,050 $837,700 $1,041,125 $150,000
TODD COUNTY$541,287 $693,050 $837,700 $1,041,125 $160,000
TRIGG COUNTY$541,287 $693,050 $837,700 $1,041,125 $305,000
TRIMBLE COUNTY$541,287 $693,050 $837,700 $1,041,125 $125,000
UNION COUNTY$541,287 $693,050 $837,700 $1,041,125 $80,000
WARREN COUNTY$541,287 $693,050 $837,700 $1,041,125 $270,000
WASHINGTON COUN$541,287 $693,050 $837,700 $1,041,125 $204,000
WAYNE COUNTY$541,287 $693,050 $837,700 $1,041,125 $80,000
WEBSTER COUNTY$541,287 $693,050 $837,700 $1,041,125 $165,000
WHITLEY COUNTY$541,287 $693,050 $837,700 $1,041,125 $163,000
WOLFE COUNTY$541,287 $693,050 $837,700 $1,041,125 $25,000
WOODFORD COUNTY$541,287 $693,050 $837,700 $1,041,125 $328,000

How are FHA loan limits determined?

Each year, according to the National Housing Act, the Federal Housing Administration (FHA) must set a floor (or low) and ceiling (or high) loan limit for all the loans it backs. The FHA does this by calculating a percentage of the national conforming loan limit, which the Federal Housing Finance Agency (FHFA) sets for all conventional mortgages owned or guaranteed by Fannie Mae and Freddie Mac. 

The national conforming loan limit in 2026 for a one-unit property is $832,750. The FHA uses 65% of the national conforming loan limit to set the floor. For 2026, that is $541,287 for a one-unit property. Most counties across the country fall into this category. The FHA uses 150% of the national conforming loan limit to set the ceiling. For 2026, that is $1,249,125 for a one-unit property in higher-cost areas. 

Loan limits may be further adjusted in Alaska, Hawaii, Guam and the U.S. Virgin Islands due to higher construction costs.

How to qualify for an FHA loan in Kentucky

To qualify for an FHA loan in Kentucky, borrowers must meet specific requirements set by the lender, so lenders can evaluate their risk of defaulting on the loan. Lenders also want to see whether you have the resources to cover the down payment and closing costs on the mortgage loan. Common requirements include: 

  • Credit score: Borrowers must have a minimum credit score of 500 with a down payment of 10% or more. They must have a minimum credit score of 580 to make a down payment of 3.5%.
  • Debt-to-income (DTI) ratio: The DTI ratio measures how much of your gross monthly income goes toward your monthly debt. To calculate it, your total debt is divided by your gross income. The maximum allowable DTI ratio for FHA loans is 43%. For borrowers with a high credit score and plenty of cash on hand, it could stretch to 50% or higher.
  • Residency: Borrowers must live in the home as their primary residence for at least one year.
  • Mortgage insurance: All FHA loans include mortgage insurance in the event the borrower defaults on the loan. The upfront mortgage insurance premium is 1.75% of the loan amount, and the annual premium ranges between 0.15% and 0.75% of the loan amount. 
  • Cash reserves: The lender may require borrowers with low credit scores or a high DTI ratio to maintain mortgage reserves to cover several monthly mortgage payments.

Buying a multifamily property with an FHA loan

FHA loans aren’t limited to single-family homes. You can also use them to purchase a multifamily home with two to four units. You can live in one unit while renting out the others, which is known as house hacking. The requirements to qualify are similar to those for a one-unit home, including: 

  • Credit score: The minimum credit score is 500 with a 10% down payment and 580 with a 3.5% down payment.
  • DTI ratio: The maximum DTI ratio is 43%.
  • Residency: You must live in one of the units as your primary residence.
  • Cash on hand: Lenders require borrowers to keep cash on hand equal to several monthly mortgage payments. 
Number of unitsLow-cost FHA loan limit
Two$693,050
Three$837,700
Four$1,041,125

FHA lenders in Kentucky

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