2026 conforming loan limits
2026 conforming loan limits in Kentucky
Kentucky has 120 counties or equivalents in the official 2026 FHFA dataset. The applicable one-unit baseline for Kentucky is $832,750 — the national baseline that applies to the contiguous states, DC, and Puerto Rico. One-unit limits in the dataset range from $832,750 to $832,750.
Baseline
120
Special statutory baseline
0
High-cost area
0
Every county/equivalent in Kentucky
| County / equivalent | 1 unit | 2 units | 3 units | 4 units | Category |
|---|---|---|---|---|---|
| Adair County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Allen County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Anderson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Ballard County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Barren County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bath County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Boone County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bourbon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Boyd County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Boyle County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bracken County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Breathitt County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Breckinridge County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bullitt County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Butler County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Caldwell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Calloway County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Campbell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Carlisle County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Carroll County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Carter County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Casey County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Christian County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Clark County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Clay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Clinton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Crittenden County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cumberland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Daviess County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Edmonson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Elliott County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Estill County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Fayette County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Fleming County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Floyd County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Fulton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Gallatin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Garrard County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Grant County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Graves County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Grayson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Green County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Greenup County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hancock County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hardin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Harlan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Harrison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hart County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Henderson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Henry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hickman County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hopkins County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jefferson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jessamine County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Johnson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Kenton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Knott County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Knox County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Larue County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Laurel County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lawrence County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Leslie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Letcher County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lewis County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lincoln County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Livingston County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Logan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lyon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Madison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Magoffin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Marion County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Marshall County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Martin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mason County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mccracken County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mccreary County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mclean County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Meade County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Menifee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mercer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Metcalfe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Monroe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Montgomery County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Morgan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Muhlenberg County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Nelson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Nicholas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Ohio County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Oldham County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Owen County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Owsley County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Pendleton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Perry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Pike County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Powell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Pulaski County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Robertson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Rockcastle County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Rowan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Russell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Scott County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Shelby County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Simpson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Spencer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Taylor County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Todd County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Trigg County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Trimble County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Union County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Warren County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Wayne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Webster County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Whitley County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Wolfe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Woodford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
Verify these numbers
- Open the official FHFA 2026 County Loan Limit List.
- Filter to Kentucky (KY).
- Confirm the 1–4 unit limits match this table.
Dataset: Full County Loan Limit List 2026 (HERA-Based Final Flat). Publisher: Federal Housing Finance Agency. Retrieved 2026-07-29. Row count for Kentucky: 120. Dataset SHA-256: 3e4aa578ce0db02db241e2721362e978b097fad70e1532324e0d30a798dd67a8.
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