FHA Loan Limits in Bullitt County, Kentucky (2026)
In Bullitt County — anchored by Bullitt County — the 2026 FHA loan limit for a single-family home is $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 Bullitt County — Bullitt County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Jefferson and Fayette Counties.
Affording a home in Bullitt County & Bullitt County
With Bullitt County's median sale price estimated near $206,000 (think Bullitt County), the FHA down payment is roughly $7,210. Factoring Kentucky property taxes near 0.85%, expect about $1,599 monthly, pointing to income near $62,000 — above Kentucky's $60,183 median household income, so budget carefully.
FHA payment scenarios in Bullitt County
Here is what an FHA payment looks like at three Bullitt County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $148,000 | $5,180 | $1,182 |
| Local median — $206,000 | $7,210 | $1,599 |
| At the FHA limit — $541,287 | $18,945 | $4,012 |
Estimates include FHA MIP plus Kentucky property taxes and insurance. Rates move daily near Bullitt County too — get notified.
Buyers across Bullitt County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $7,210 down payment near Bullitt County into little out of pocket.
Multi-unit FHA limits in Bullitt County
Looking at a duplex or fourplex near Bullitt County? FHA allows up to $692,997 on two units and $1,041,072 on four in Bullitt County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Bullitt County for 2026?
- In Bullitt County (Bullitt 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 Bullitt County with FHA?
- For a median-priced ($206,000) Bullitt County home, plan on income around $62,000 at a 31% housing ratio — about $1,599/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Bullitt County?
- 3.5% with a 580+ score — roughly $7,210 on a $206,000 Bullitt County-area home. Gift funds are allowed.
- Is Bullitt County a high-cost FHA area?
- No — Bullitt County uses the $541,287 national floor for one unit.