FHA Loan Limits in Bell County, Kentucky (2026)
Bell County and the rest of Bell County, Kentucky fall under a 2026 one-unit FHA limit of $541,287. That matches the national FHA floor used across most of the South.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
Every community in Bell County — Bell County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Jefferson and Fayette Counties.
How much home can you afford in Bell County?
An FHA buyer near Bell County faces an estimated $227,000 median, a $7,945 down payment, and — after Kentucky's 0.85% property tax — a monthly cost around $1,750. That suits household income of roughly $68,000, above Kentucky's $60,183 median household income, so budget carefully.
FHA payment scenarios in Bell County
Whether you are buying in Bell County or a smaller Bell County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $163,000 | $5,705 | $1,290 |
| Local median — $227,000 | $7,945 | $1,750 |
| At the FHA limit — $541,287 | $18,945 | $4,012 |
Estimates include FHA MIP plus Kentucky property taxes and insurance. Rates move daily near Bell County too — get notified.
Buyers across Bell County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $7,945 down payment near Bell County into little out of pocket.
Multi-unit FHA limits in Bell County
Investors and house-hackers in Bell County and across Bell County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Bell County for 2026?
- In Bell County (Bell County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Bell County with FHA?
- For a median-priced ($227,000) Bell County home, plan on income around $68,000 at a 31% housing ratio — about $1,750/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Bell County?
- 3.5% with a 580+ score — roughly $7,945 on a $227,000 Bell County-area home. Gift funds are allowed.
- Is Bell County a high-cost FHA area?
- No — Bell County uses the $541,287 national floor for one unit.