FHA Loan Limits in Campbell County, Kentucky (2026)
Buying in Campbell County or elsewhere in Campbell County? The 2026 FHA single-family limit across the county 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 |
These 2026 limits apply throughout Campbell County, from Campbell County outward, and sit alongside the limits set for neighboring Jefferson and Fayette Counties.
FHA affordability around Campbell County
With Campbell County's median sale price estimated near $214,000 (think Campbell County), the FHA down payment is roughly $7,490. Factoring Kentucky property taxes near 0.85%, expect about $1,657 monthly, pointing to income near $64,000 — above Kentucky's $60,183 median household income, so budget carefully.
FHA payment scenarios in Campbell County
Here is what an FHA payment looks like at three Campbell County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $154,000 | $5,390 | $1,225 |
| Local median — $214,000 | $7,490 | $1,657 |
| At the FHA limit — $541,287 | $18,945 | $4,012 |
Estimates include FHA MIP plus Kentucky property taxes and insurance. Rates move daily near Campbell County too — get notified.
In Campbell County and the surrounding Campbell County market, FHA's appeal is the math: $7,490 down on a $214,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Campbell County
Looking at a duplex or fourplex near Campbell County? FHA allows up to $692,997 on two units and $1,041,072 on four in Campbell 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 Campbell County for 2026?
- In Campbell County (Campbell 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 Campbell County with FHA?
- For a median-priced ($214,000) Campbell County home, plan on income around $64,000 at a 31% housing ratio — about $1,657/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Campbell County?
- 3.5% with a 580+ score — roughly $7,490 on a $214,000 Campbell County-area home. Gift funds are allowed.
- Is Campbell County a high-cost FHA area?
- No — Campbell County uses the $541,287 national floor for one unit.