Kentucky 2025 FHA Loan Limits

Last Updated: Sun, January 5, 2025

Loan Limits in Kentucky

Kentucky has 120 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Adair County to a high of $1,008,300 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 ($1,008,300) †

Highest Loan Limit ($1,008,300)

† 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	$524,225	$1,008,300	view details »
Allen County	$524,225	$1,008,300	view details »
Anderson County	$524,225	$1,008,300	view details »
Ballard County	$524,225	$1,008,300	view details »
Barren County	$524,225	$1,008,300	view details »
Bath County	$524,225	$1,008,300	view details »
Bell County	$524,225	$1,008,300	view details »
Boone County	$524,225	$1,008,300	view details »
Bourbon County	$524,225	$1,008,300	view details »
Boyd County	$524,225	$1,008,300	view details »
Boyle County	$524,225	$1,008,300	view details »
Bracken County	$524,225	$1,008,300	view details »
Breathitt County	$524,225	$1,008,300	view details »
Breckinridge County	$524,225	$1,008,300	view details »
Bullitt County	$524,225	$1,008,300	view details »
Butler County	$524,225	$1,008,300	view details »
Caldwell County	$524,225	$1,008,300	view details »
Calloway County	$524,225	$1,008,300	view details »
Campbell County	$524,225	$1,008,300	view details »
Carlisle County	$524,225	$1,008,300	view details »
Carroll County	$524,225	$1,008,300	view details »
Carter County	$524,225	$1,008,300	view details »
Casey County	$524,225	$1,008,300	view details »
Christian County	$524,225	$1,008,300	view details »
Clark County	$524,225	$1,008,300	view details »
Clay County	$524,225	$1,008,300	view details »
Clinton County	$524,225	$1,008,300	view details »
Crittenden County	$524,225	$1,008,300	view details »
Cumberland County	$524,225	$1,008,300	view details »
Daviess County	$524,225	$1,008,300	view details »
Edmonson County	$524,225	$1,008,300	view details »
Elliott County	$524,225	$1,008,300	view details »
Estill County	$524,225	$1,008,300	view details »
Fayette County	$524,225	$1,008,300	view details »
Fleming County	$524,225	$1,008,300	view details »
Floyd County	$524,225	$1,008,300	view details »
Franklin County	$524,225	$1,008,300	view details »
Fulton County	$524,225	$1,008,300	view details »
Gallatin County	$524,225	$1,008,300	view details »
Garrard County	$524,225	$1,008,300	view details »
Grant County	$524,225	$1,008,300	view details »
Graves County	$524,225	$1,008,300	view details »
Grayson County	$524,225	$1,008,300	view details »
Green County	$524,225	$1,008,300	view details »
Greenup County	$524,225	$1,008,300	view details »
Hancock County	$524,225	$1,008,300	view details »
Hardin County	$524,225	$1,008,300	view details »
Harlan County	$524,225	$1,008,300	view details »
Harrison County	$524,225	$1,008,300	view details »
Hart County	$524,225	$1,008,300	view details »
Henderson County	$524,225	$1,008,300	view details »
Henry County	$524,225	$1,008,300	view details »
Hickman County	$524,225	$1,008,300	view details »
Hopkins County	$524,225	$1,008,300	view details »
Jackson County	$524,225	$1,008,300	view details »
Jefferson County	$524,225	$1,008,300	view details »
Jessamine County	$524,225	$1,008,300	view details »
Johnson County	$524,225	$1,008,300	view details »
Kenton County	$524,225	$1,008,300	view details »
Knott County	$524,225	$1,008,300	view details »
Knox County	$524,225	$1,008,300	view details »
Larue County	$524,225	$1,008,300	view details »
Laurel County	$524,225	$1,008,300	view details »
Lawrence County	$524,225	$1,008,300	view details »
Lee County	$524,225	$1,008,300	view details »
Leslie County	$524,225	$1,008,300	view details »
Letcher County	$524,225	$1,008,300	view details »
Lewis County	$524,225	$1,008,300	view details »
Lincoln County	$524,225	$1,008,300	view details »
Livingston County	$524,225	$1,008,300	view details »
Logan County	$524,225	$1,008,300	view details »
Lyon County	$524,225	$1,008,300	view details »
Mccracken County	$524,225	$1,008,300	view details »
Mccreary County	$524,225	$1,008,300	view details »
Mclean County	$524,225	$1,008,300	view details »
Madison County	$524,225	$1,008,300	view details »
Magoffin County	$524,225	$1,008,300	view details »
Marion County	$524,225	$1,008,300	view details »
Marshall County	$524,225	$1,008,300	view details »
Martin County	$524,225	$1,008,300	view details »
Mason County	$524,225	$1,008,300	view details »
Meade County	$524,225	$1,008,300	view details »
Menifee County	$524,225	$1,008,300	view details »
Mercer County	$524,225	$1,008,300	view details »
Metcalfe County	$524,225	$1,008,300	view details »
Monroe County	$524,225	$1,008,300	view details »
Montgomery County	$524,225	$1,008,300	view details »
Morgan County	$524,225	$1,008,300	view details »
Muhlenberg County	$524,225	$1,008,300	view details »
Nelson County	$524,225	$1,008,300	view details »
Nicholas County	$524,225	$1,008,300	view details »
Ohio County	$524,225	$1,008,300	view details »
Oldham County	$524,225	$1,008,300	view details »
Owen County	$524,225	$1,008,300	view details »
Owsley County	$524,225	$1,008,300	view details »
Pendleton County	$524,225	$1,008,300	view details »
Perry County	$524,225	$1,008,300	view details »
Pike County	$524,225	$1,008,300	view details »
Powell County	$524,225	$1,008,300	view details »
Pulaski County	$524,225	$1,008,300	view details »
Robertson County	$524,225	$1,008,300	view details »
Rockcastle County	$524,225	$1,008,300	view details »
Rowan County	$524,225	$1,008,300	view details »
Russell County	$524,225	$1,008,300	view details »
Scott County	$524,225	$1,008,300	view details »
Shelby County	$524,225	$1,008,300	view details »
Simpson County	$524,225	$1,008,300	view details »
Spencer County	$524,225	$1,008,300	view details »
Taylor County	$524,225	$1,008,300	view details »
Todd County	$524,225	$1,008,300	view details »
Trigg County	$524,225	$1,008,300	view details »
Trimble County	$524,225	$1,008,300	view details »
Union County	$524,225	$1,008,300	view details »
Warren County	$524,225	$1,008,300	view details »
Washington County	$524,225	$1,008,300	view details »
Wayne County	$524,225	$1,008,300	view details »
Webster County	$524,225	$1,008,300	view details »
Whitley County	$524,225	$1,008,300	view details »
Wolfe County	$524,225	$1,008,300	view details »
Woodford County	$524,225	$1,008,300	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 2025, the maximum loan limit in Kentucky is $524,225 for a single-family home and $1,008,300 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.

Kentucky 2025 FHA Loan Limits

Loan Limits in Kentucky

Loan Limits by County in Kentucky (120 counties)

How to qualify for an FHA Loan in Kentucky?

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