FHA Loan Limits in Kentucky (2026)
For 2026, the FHA loan limit in most Kentucky counties is $541,287 for a single-family home. Kentucky has no designated high-cost counties, so the national floor applies statewide.
FHA loan limits by county in Kentucky
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Jefferson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Fayette County | $541,287 | $692,997 | $1,041,072 | Standard |
| Kenton County | $541,287 | $692,997 | $1,041,072 | Standard |
| Boone County | $541,287 | $692,997 | $1,041,072 | Standard |
| Warren County | $541,287 | $692,997 | $1,041,072 | Standard |
| Hardin County | $541,287 | $692,997 | $1,041,072 | Standard |
| Daviess County | $541,287 | $692,997 | $1,041,072 | Standard |
| Campbell County | $541,287 | $692,997 | $1,041,072 | Standard |
| Bullitt County | $541,287 | $692,997 | $1,041,072 | Standard |
| Madison County | $541,287 | $692,997 | $1,041,072 | Standard |
| Christian County | $541,287 | $692,997 | $1,041,072 | Standard |
| McCracken County | $541,287 | $692,997 | $1,041,072 | Standard |
| Oldham County | $541,287 | $692,997 | $1,041,072 | Standard |
| Pulaski County | $541,287 | $692,997 | $1,041,072 | Standard |
| Laurel County | $541,287 | $692,997 | $1,041,072 | Standard |
| Scott County | $541,287 | $692,997 | $1,041,072 | Standard |
| Boyd County | $541,287 | $692,997 | $1,041,072 | Standard |
| Franklin County | $541,287 | $692,997 | $1,041,072 | Standard |
| Hopkins County | $541,287 | $692,997 | $1,041,072 | Standard |
| Pike County | $541,287 | $692,997 | $1,041,072 | Standard |
| Jessamine County | $541,287 | $692,997 | $1,041,072 | Standard |
| Nelson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Whitley County | $541,287 | $692,997 | $1,041,072 | Standard |
| Henderson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Bell County | $541,287 | $692,997 | $1,041,072 | Standard |
Kentucky's median home price is roughly $215,000. With 3.5% down, an example FHA payment near that price is about $1,709/month including MIP, taxes, and insurance.
Buying with an FHA loan in Kentucky
FHA loans are popular with first-time buyers in Kentucky because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Kentucky for 2026?
- Most Kentucky counties use the national FHA floor of $541,287 for a one-unit home.
- What credit score do I need for an FHA loan in Kentucky?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.