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.


** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/kentucky