Kentucky 2024 FHA Loan Limits

Last Updated: Tue, January 2, 2024

Loan Limits in Kentucky

Kentucky has 120 counties with FHA Limits ranging from a low of $498,257 for a 1-bedroom unit in Adair County to a high of $958,350 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 ($958,350)
Highest Loan Limit ($958,350)

† 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 $498,257 $958,350 view details »
Allen County $498,257 $958,350 view details »
Anderson County $498,257 $958,350 view details »
Ballard County $498,257 $958,350 view details »
Barren County $498,257 $958,350 view details »
Bath County $498,257 $958,350 view details »
Bell County $498,257 $958,350 view details »
Boone County $498,257 $958,350 view details »
Bourbon County $498,257 $958,350 view details »
Boyd County $498,257 $958,350 view details »
Boyle County $498,257 $958,350 view details »
Bracken County $498,257 $958,350 view details »
Breathitt County $498,257 $958,350 view details »
Breckinridge County $498,257 $958,350 view details »
Bullitt County $498,257 $958,350 view details »
Butler County $498,257 $958,350 view details »
Caldwell County $498,257 $958,350 view details »
Calloway County $498,257 $958,350 view details »
Campbell County $498,257 $958,350 view details »
Carlisle County $498,257 $958,350 view details »
Carroll County $498,257 $958,350 view details »
Carter County $498,257 $958,350 view details »
Casey County $498,257 $958,350 view details »
Christian County $498,257 $958,350 view details »
Clark County $498,257 $958,350 view details »
Clay County $498,257 $958,350 view details »
Clinton County $498,257 $958,350 view details »
Crittenden County $498,257 $958,350 view details »
Cumberland County $498,257 $958,350 view details »
Daviess County $498,257 $958,350 view details »
Edmonson County $498,257 $958,350 view details »
Elliott County $498,257 $958,350 view details »
Estill County $498,257 $958,350 view details »
Fayette County $498,257 $958,350 view details »
Fleming County $498,257 $958,350 view details »
Floyd County $498,257 $958,350 view details »
Franklin County $498,257 $958,350 view details »
Fulton County $498,257 $958,350 view details »
Gallatin County $498,257 $958,350 view details »
Garrard County $498,257 $958,350 view details »
Grant County $498,257 $958,350 view details »
Graves County $498,257 $958,350 view details »
Grayson County $498,257 $958,350 view details »
Green County $498,257 $958,350 view details »
Greenup County $498,257 $958,350 view details »
Hancock County $498,257 $958,350 view details »
Hardin County $498,257 $958,350 view details »
Harlan County $498,257 $958,350 view details »
Harrison County $498,257 $958,350 view details »
Hart County $498,257 $958,350 view details »
Henderson County $498,257 $958,350 view details »
Henry County $498,257 $958,350 view details »
Hickman County $498,257 $958,350 view details »
Hopkins County $498,257 $958,350 view details »
Jackson County $498,257 $958,350 view details »
Jefferson County $498,257 $958,350 view details »
Jessamine County $498,257 $958,350 view details »
Johnson County $498,257 $958,350 view details »
Kenton County $498,257 $958,350 view details »
Knott County $498,257 $958,350 view details »
Knox County $498,257 $958,350 view details »
Larue County $498,257 $958,350 view details »
Laurel County $498,257 $958,350 view details »
Lawrence County $498,257 $958,350 view details »
Lee County $498,257 $958,350 view details »
Leslie County $498,257 $958,350 view details »
Letcher County $498,257 $958,350 view details »
Lewis County $498,257 $958,350 view details »
Lincoln County $498,257 $958,350 view details »
Livingston County $498,257 $958,350 view details »
Logan County $498,257 $958,350 view details »
Lyon County $498,257 $958,350 view details »
Mccracken County $498,257 $958,350 view details »
Mccreary County $498,257 $958,350 view details »
Mclean County $498,257 $958,350 view details »
Madison County $498,257 $958,350 view details »
Magoffin County $498,257 $958,350 view details »
Marion County $498,257 $958,350 view details »
Marshall County $498,257 $958,350 view details »
Martin County $498,257 $958,350 view details »
Mason County $498,257 $958,350 view details »
Meade County $498,257 $958,350 view details »
Menifee County $498,257 $958,350 view details »
Mercer County $498,257 $958,350 view details »
Metcalfe County $498,257 $958,350 view details »
Monroe County $498,257 $958,350 view details »
Montgomery County $498,257 $958,350 view details »
Morgan County $498,257 $958,350 view details »
Muhlenberg County $498,257 $958,350 view details »
Nelson County $498,257 $958,350 view details »
Nicholas County $498,257 $958,350 view details »
Ohio County $498,257 $958,350 view details »
Oldham County $498,257 $958,350 view details »
Owen County $498,257 $958,350 view details »
Owsley County $498,257 $958,350 view details »
Pendleton County $498,257 $958,350 view details »
Perry County $498,257 $958,350 view details »
Pike County $498,257 $958,350 view details »
Powell County $498,257 $958,350 view details »
Pulaski County $498,257 $958,350 view details »
Robertson County $498,257 $958,350 view details »
Rockcastle County $498,257 $958,350 view details »
Rowan County $498,257 $958,350 view details »
Russell County $498,257 $958,350 view details »
Scott County $498,257 $958,350 view details »
Shelby County $498,257 $958,350 view details »
Simpson County $498,257 $958,350 view details »
Spencer County $498,257 $958,350 view details »
Taylor County $498,257 $958,350 view details »
Todd County $498,257 $958,350 view details »
Trigg County $498,257 $958,350 view details »
Trimble County $498,257 $958,350 view details »
Union County $498,257 $958,350 view details »
Warren County $498,257 $958,350 view details »
Washington County $498,257 $958,350 view details »
Wayne County $498,257 $958,350 view details »
Webster County $498,257 $958,350 view details »
Whitley County $498,257 $958,350 view details »
Wolfe County $498,257 $958,350 view details »
Woodford County $498,257 $958,350 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 2024, the maximum loan limit in Kentucky is $498,257 for a single-family home and $958,350 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