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Kentucky 2023 FHA Loan Limits

Last Updated: Mon, January 2, 2023

Loan Limits in Kentucky

Kentucky has 120 counties with FHA Limits ranging from a low of $472,030 for a 1-bedroom unit in Adair County to a high of $907,900 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 ($907,900)
Highest Loan Limit ($907,900)

† 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 $472,030 $907,900 view details »
Allen County $472,030 $907,900 view details »
Anderson County $472,030 $907,900 view details »
Ballard County $472,030 $907,900 view details »
Barren County $472,030 $907,900 view details »
Bath County $472,030 $907,900 view details »
Bell County $472,030 $907,900 view details »
Boone County $472,030 $907,900 view details »
Bourbon County $472,030 $907,900 view details »
Boyd County $472,030 $907,900 view details »
Boyle County $472,030 $907,900 view details »
Bracken County $472,030 $907,900 view details »
Breathitt County $472,030 $907,900 view details »
Breckinridge County $472,030 $907,900 view details »
Bullitt County $472,030 $907,900 view details »
Butler County $472,030 $907,900 view details »
Caldwell County $472,030 $907,900 view details »
Calloway County $472,030 $907,900 view details »
Campbell County $472,030 $907,900 view details »
Carlisle County $472,030 $907,900 view details »
Carroll County $472,030 $907,900 view details »
Carter County $472,030 $907,900 view details »
Casey County $472,030 $907,900 view details »
Christian County $472,030 $907,900 view details »
Clark County $472,030 $907,900 view details »
Clay County $472,030 $907,900 view details »
Clinton County $472,030 $907,900 view details »
Crittenden County $472,030 $907,900 view details »
Cumberland County $472,030 $907,900 view details »
Daviess County $472,030 $907,900 view details »
Edmonson County $472,030 $907,900 view details »
Elliott County $472,030 $907,900 view details »
Estill County $472,030 $907,900 view details »
Fayette County $472,030 $907,900 view details »
Fleming County $472,030 $907,900 view details »
Floyd County $472,030 $907,900 view details »
Franklin County $472,030 $907,900 view details »
Fulton County $472,030 $907,900 view details »
Gallatin County $472,030 $907,900 view details »
Garrard County $472,030 $907,900 view details »
Grant County $472,030 $907,900 view details »
Graves County $472,030 $907,900 view details »
Grayson County $472,030 $907,900 view details »
Green County $472,030 $907,900 view details »
Greenup County $472,030 $907,900 view details »
Hancock County $472,030 $907,900 view details »
Hardin County $472,030 $907,900 view details »
Harlan County $472,030 $907,900 view details »
Harrison County $472,030 $907,900 view details »
Hart County $472,030 $907,900 view details »
Henderson County $472,030 $907,900 view details »
Henry County $472,030 $907,900 view details »
Hickman County $472,030 $907,900 view details »
Hopkins County $472,030 $907,900 view details »
Jackson County $472,030 $907,900 view details »
Jefferson County $472,030 $907,900 view details »
Jessamine County $472,030 $907,900 view details »
Johnson County $472,030 $907,900 view details »
Kenton County $472,030 $907,900 view details »
Knott County $472,030 $907,900 view details »
Knox County $472,030 $907,900 view details »
Larue County $472,030 $907,900 view details »
Laurel County $472,030 $907,900 view details »
Lawrence County $472,030 $907,900 view details »
Lee County $472,030 $907,900 view details »
Leslie County $472,030 $907,900 view details »
Letcher County $472,030 $907,900 view details »
Lewis County $472,030 $907,900 view details »
Lincoln County $472,030 $907,900 view details »
Livingston County $472,030 $907,900 view details »
Logan County $472,030 $907,900 view details »
Lyon County $472,030 $907,900 view details »
Mccracken County $472,030 $907,900 view details »
Mccreary County $472,030 $907,900 view details »
Mclean County $472,030 $907,900 view details »
Madison County $472,030 $907,900 view details »
Magoffin County $472,030 $907,900 view details »
Marion County $472,030 $907,900 view details »
Marshall County $472,030 $907,900 view details »
Martin County $472,030 $907,900 view details »
Mason County $472,030 $907,900 view details »
Meade County $472,030 $907,900 view details »
Menifee County $472,030 $907,900 view details »
Mercer County $472,030 $907,900 view details »
Metcalfe County $472,030 $907,900 view details »
Monroe County $472,030 $907,900 view details »
Montgomery County $472,030 $907,900 view details »
Morgan County $472,030 $907,900 view details »
Muhlenberg County $472,030 $907,900 view details »
Nelson County $472,030 $907,900 view details »
Nicholas County $472,030 $907,900 view details »
Ohio County $472,030 $907,900 view details »
Oldham County $472,030 $907,900 view details »
Owen County $472,030 $907,900 view details »
Owsley County $472,030 $907,900 view details »
Pendleton County $472,030 $907,900 view details »
Perry County $472,030 $907,900 view details »
Pike County $472,030 $907,900 view details »
Powell County $472,030 $907,900 view details »
Pulaski County $472,030 $907,900 view details »
Robertson County $472,030 $907,900 view details »
Rockcastle County $472,030 $907,900 view details »
Rowan County $472,030 $907,900 view details »
Russell County $472,030 $907,900 view details »
Scott County $472,030 $907,900 view details »
Shelby County $472,030 $907,900 view details »
Simpson County $472,030 $907,900 view details »
Spencer County $472,030 $907,900 view details »
Taylor County $472,030 $907,900 view details »
Todd County $472,030 $907,900 view details »
Trigg County $472,030 $907,900 view details »
Trimble County $472,030 $907,900 view details »
Union County $472,030 $907,900 view details »
Warren County $472,030 $907,900 view details »
Washington County $472,030 $907,900 view details »
Wayne County $472,030 $907,900 view details »
Webster County $472,030 $907,900 view details »
Whitley County $472,030 $907,900 view details »
Wolfe County $472,030 $907,900 view details »
Woodford County $472,030 $907,900 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 2023, the maximum loan limit in Kentucky is $472,030 for a single-family home and $907,900 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
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