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.

Kentucky 2023 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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