Kentucky 2021 FHA Loan Limits

Last Updated: Sat, January 2, 2021

Loan Limits in Kentucky

Kentucky has 120 counties with FHA Limits ranging from a low of $356,362 for a 1-bedroom unit in Adair County to a high of $685,400 for a 4-bedroom unit in Adair County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Kentucky's counties, choose the county from the interactive map or the list below.



Lowest Loan Limit ($685,400)
Highest Loan Limit ($685,400)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in Kentucky (120 counties)

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Adair County $356,362 $685,400 view details »
Allen County $356,362 $685,400 view details »
Anderson County $356,362 $685,400 view details »
Ballard County $356,362 $685,400 view details »
Barren County $356,362 $685,400 view details »
Bath County $356,362 $685,400 view details »
Bell County $356,362 $685,400 view details »
Boone County $356,362 $685,400 view details »
Bourbon County $356,362 $685,400 view details »
Boyd County $356,362 $685,400 view details »
Boyle County $356,362 $685,400 view details »
Bracken County $356,362 $685,400 view details »
Breathitt County $356,362 $685,400 view details »
Breckinridge County $356,362 $685,400 view details »
Bullitt County $356,362 $685,400 view details »
Butler County $356,362 $685,400 view details »
Caldwell County $356,362 $685,400 view details »
Calloway County $356,362 $685,400 view details »
Campbell County $356,362 $685,400 view details »
Carlisle County $356,362 $685,400 view details »
Carroll County $356,362 $685,400 view details »
Carter County $356,362 $685,400 view details »
Casey County $356,362 $685,400 view details »
Christian County $356,362 $685,400 view details »
Clark County $356,362 $685,400 view details »
Clay County $356,362 $685,400 view details »
Clinton County $356,362 $685,400 view details »
Crittenden County $356,362 $685,400 view details »
Cumberland County $356,362 $685,400 view details »
Daviess County $356,362 $685,400 view details »
Edmonson County $356,362 $685,400 view details »
Elliott County $356,362 $685,400 view details »
Estill County $356,362 $685,400 view details »
Fayette County $356,362 $685,400 view details »
Fleming County $356,362 $685,400 view details »
Floyd County $356,362 $685,400 view details »
Franklin County $356,362 $685,400 view details »
Fulton County $356,362 $685,400 view details »
Gallatin County $356,362 $685,400 view details »
Garrard County $356,362 $685,400 view details »
Grant County $356,362 $685,400 view details »
Graves County $356,362 $685,400 view details »
Grayson County $356,362 $685,400 view details »
Green County $356,362 $685,400 view details »
Greenup County $356,362 $685,400 view details »
Hancock County $356,362 $685,400 view details »
Hardin County $356,362 $685,400 view details »
Harlan County $356,362 $685,400 view details »
Harrison County $356,362 $685,400 view details »
Hart County $356,362 $685,400 view details »
Henderson County $356,362 $685,400 view details »
Henry County $356,362 $685,400 view details »
Hickman County $356,362 $685,400 view details »
Hopkins County $356,362 $685,400 view details »
Jackson County $356,362 $685,400 view details »
Jefferson County $356,362 $685,400 view details »
Jessamine County $356,362 $685,400 view details »
Johnson County $356,362 $685,400 view details »
Kenton County $356,362 $685,400 view details »
Knott County $356,362 $685,400 view details »
Knox County $356,362 $685,400 view details »
Larue County $356,362 $685,400 view details »
Laurel County $356,362 $685,400 view details »
Lawrence County $356,362 $685,400 view details »
Lee County $356,362 $685,400 view details »
Leslie County $356,362 $685,400 view details »
Letcher County $356,362 $685,400 view details »
Lewis County $356,362 $685,400 view details »
Lincoln County $356,362 $685,400 view details »
Livingston County $356,362 $685,400 view details »
Logan County $356,362 $685,400 view details »
Lyon County $356,362 $685,400 view details »
Mccracken County $356,362 $685,400 view details »
Mccreary County $356,362 $685,400 view details »
Mclean County $356,362 $685,400 view details »
Madison County $356,362 $685,400 view details »
Magoffin County $356,362 $685,400 view details »
Marion County $356,362 $685,400 view details »
Marshall County $356,362 $685,400 view details »
Martin County $356,362 $685,400 view details »
Mason County $356,362 $685,400 view details »
Meade County $356,362 $685,400 view details »
Menifee County $356,362 $685,400 view details »
Mercer County $356,362 $685,400 view details »
Metcalfe County $356,362 $685,400 view details »
Monroe County $356,362 $685,400 view details »
Montgomery County $356,362 $685,400 view details »
Morgan County $356,362 $685,400 view details »
Muhlenberg County $356,362 $685,400 view details »
Nelson County $356,362 $685,400 view details »
Nicholas County $356,362 $685,400 view details »
Ohio County $356,362 $685,400 view details »
Oldham County $356,362 $685,400 view details »
Owen County $356,362 $685,400 view details »
Owsley County $356,362 $685,400 view details »
Pendleton County $356,362 $685,400 view details »
Perry County $356,362 $685,400 view details »
Pike County $356,362 $685,400 view details »
Powell County $356,362 $685,400 view details »
Pulaski County $356,362 $685,400 view details »
Robertson County $356,362 $685,400 view details »
Rockcastle County $356,362 $685,400 view details »
Rowan County $356,362 $685,400 view details »
Russell County $356,362 $685,400 view details »
Scott County $356,362 $685,400 view details »
Shelby County $356,362 $685,400 view details »
Simpson County $356,362 $685,400 view details »
Spencer County $356,362 $685,400 view details »
Taylor County $356,362 $685,400 view details »
Todd County $356,362 $685,400 view details »
Trigg County $356,362 $685,400 view details »
Trimble County $356,362 $685,400 view details »
Union County $356,362 $685,400 view details »
Warren County $356,362 $685,400 view details »
Washington County $356,362 $685,400 view details »
Wayne County $356,362 $685,400 view details »
Webster County $356,362 $685,400 view details »
Whitley County $356,362 $685,400 view details »
Wolfe County $356,362 $685,400 view details »
Woodford County $356,362 $685,400 view details »

How to qualify for an FHA Loan in Kentucky?

To qualify for an FHA loan in Kentucky, your home loan must be below the local FHA loan limits in your area. For 2021, the maximum loan limit in Kentucky is $356,362 for a single-family home and $685,400 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Kentucky. Additional restricts apply. Click on the Kentucky map above or the table below to see loan limits in your area.


** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/kentucky