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.

Kentucky 2024 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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