Kentucky 2022 FHA Loan Limits

Last Updated: Sun, January 2, 2022

Loan Limits in Kentucky

Kentucky has 120 counties with FHA Limits ranging from a low of $420,680 for a 1-bedroom unit in Adair County to a high of $809,150 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 ($809,150)
Highest Loan Limit ($809,150)

† 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 $420,680 $809,150 view details »
Allen County $420,680 $809,150 view details »
Anderson County $420,680 $809,150 view details »
Ballard County $420,680 $809,150 view details »
Barren County $420,680 $809,150 view details »
Bath County $420,680 $809,150 view details »
Bell County $420,680 $809,150 view details »
Boone County $420,680 $809,150 view details »
Bourbon County $420,680 $809,150 view details »
Boyd County $420,680 $809,150 view details »
Boyle County $420,680 $809,150 view details »
Bracken County $420,680 $809,150 view details »
Breathitt County $420,680 $809,150 view details »
Breckinridge County $420,680 $809,150 view details »
Bullitt County $420,680 $809,150 view details »
Butler County $420,680 $809,150 view details »
Caldwell County $420,680 $809,150 view details »
Calloway County $420,680 $809,150 view details »
Campbell County $420,680 $809,150 view details »
Carlisle County $420,680 $809,150 view details »
Carroll County $420,680 $809,150 view details »
Carter County $420,680 $809,150 view details »
Casey County $420,680 $809,150 view details »
Christian County $420,680 $809,150 view details »
Clark County $420,680 $809,150 view details »
Clay County $420,680 $809,150 view details »
Clinton County $420,680 $809,150 view details »
Crittenden County $420,680 $809,150 view details »
Cumberland County $420,680 $809,150 view details »
Daviess County $420,680 $809,150 view details »
Edmonson County $420,680 $809,150 view details »
Elliott County $420,680 $809,150 view details »
Estill County $420,680 $809,150 view details »
Fayette County $420,680 $809,150 view details »
Fleming County $420,680 $809,150 view details »
Floyd County $420,680 $809,150 view details »
Franklin County $420,680 $809,150 view details »
Fulton County $420,680 $809,150 view details »
Gallatin County $420,680 $809,150 view details »
Garrard County $420,680 $809,150 view details »
Grant County $420,680 $809,150 view details »
Graves County $420,680 $809,150 view details »
Grayson County $420,680 $809,150 view details »
Green County $420,680 $809,150 view details »
Greenup County $420,680 $809,150 view details »
Hancock County $420,680 $809,150 view details »
Hardin County $420,680 $809,150 view details »
Harlan County $420,680 $809,150 view details »
Harrison County $420,680 $809,150 view details »
Hart County $420,680 $809,150 view details »
Henderson County $420,680 $809,150 view details »
Henry County $420,680 $809,150 view details »
Hickman County $420,680 $809,150 view details »
Hopkins County $420,680 $809,150 view details »
Jackson County $420,680 $809,150 view details »
Jefferson County $420,680 $809,150 view details »
Jessamine County $420,680 $809,150 view details »
Johnson County $420,680 $809,150 view details »
Kenton County $420,680 $809,150 view details »
Knott County $420,680 $809,150 view details »
Knox County $420,680 $809,150 view details »
Larue County $420,680 $809,150 view details »
Laurel County $420,680 $809,150 view details »
Lawrence County $420,680 $809,150 view details »
Lee County $420,680 $809,150 view details »
Leslie County $420,680 $809,150 view details »
Letcher County $420,680 $809,150 view details »
Lewis County $420,680 $809,150 view details »
Lincoln County $420,680 $809,150 view details »
Livingston County $420,680 $809,150 view details »
Logan County $420,680 $809,150 view details »
Lyon County $420,680 $809,150 view details »
Mccracken County $420,680 $809,150 view details »
Mccreary County $420,680 $809,150 view details »
Mclean County $420,680 $809,150 view details »
Madison County $420,680 $809,150 view details »
Magoffin County $420,680 $809,150 view details »
Marion County $420,680 $809,150 view details »
Marshall County $420,680 $809,150 view details »
Martin County $420,680 $809,150 view details »
Mason County $420,680 $809,150 view details »
Meade County $420,680 $809,150 view details »
Menifee County $420,680 $809,150 view details »
Mercer County $420,680 $809,150 view details »
Metcalfe County $420,680 $809,150 view details »
Monroe County $420,680 $809,150 view details »
Montgomery County $420,680 $809,150 view details »
Morgan County $420,680 $809,150 view details »
Muhlenberg County $420,680 $809,150 view details »
Nelson County $420,680 $809,150 view details »
Nicholas County $420,680 $809,150 view details »
Ohio County $420,680 $809,150 view details »
Oldham County $420,680 $809,150 view details »
Owen County $420,680 $809,150 view details »
Owsley County $420,680 $809,150 view details »
Pendleton County $420,680 $809,150 view details »
Perry County $420,680 $809,150 view details »
Pike County $420,680 $809,150 view details »
Powell County $420,680 $809,150 view details »
Pulaski County $420,680 $809,150 view details »
Robertson County $420,680 $809,150 view details »
Rockcastle County $420,680 $809,150 view details »
Rowan County $420,680 $809,150 view details »
Russell County $420,680 $809,150 view details »
Scott County $420,680 $809,150 view details »
Shelby County $420,680 $809,150 view details »
Simpson County $420,680 $809,150 view details »
Spencer County $420,680 $809,150 view details »
Taylor County $420,680 $809,150 view details »
Todd County $420,680 $809,150 view details »
Trigg County $420,680 $809,150 view details »
Trimble County $420,680 $809,150 view details »
Union County $420,680 $809,150 view details »
Warren County $420,680 $809,150 view details »
Washington County $420,680 $809,150 view details »
Wayne County $420,680 $809,150 view details »
Webster County $420,680 $809,150 view details »
Whitley County $420,680 $809,150 view details »
Wolfe County $420,680 $809,150 view details »
Woodford County $420,680 $809,150 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 2022, the maximum loan limit in Kentucky is $420,680 for a single-family home and $809,150 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