FHA Loan Limits in Daviess County, Kentucky (2026)
From Daviess County, FHA buyers in Daviess County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 Daviess County, from Daviess County outward, and sit alongside the limits set for neighboring Jefferson and Fayette Counties.
What can you buy with FHA in Daviess County?
Homes around Daviess County carry an estimated local median near $220,000, so an FHA buyer in Daviess County puts down about $7,700 (3.5%). With Kentucky's 0.85% effective property-tax rate, the all-in payment runs near $1,700 a month — comfortable on household income around $66,000, above Kentucky's $60,183 median household income, so budget carefully.
FHA payment scenarios in Daviess County
Here is what an FHA payment looks like at three Daviess County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $158,000 | $5,530 | $1,254 |
| Local median — $220,000 | $7,700 | $1,700 |
| At the FHA limit — $541,287 | $18,945 | $4,012 |
Estimates include FHA MIP plus Kentucky property taxes and insurance. Rates move daily near Daviess County too — get notified.
In Daviess County and the surrounding Daviess County market, FHA's appeal is the math: $7,700 down on a $220,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Daviess County
Looking at a duplex or fourplex near Daviess County? FHA allows up to $692,997 on two units and $1,041,072 on four in Daviess 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 Daviess County for 2026?
- In Daviess County (Daviess 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 Daviess County with FHA?
- For a median-priced ($220,000) Daviess County home, plan on income around $66,000 at a 31% housing ratio — about $1,700/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Daviess County?
- 3.5% with a 580+ score — roughly $7,700 on a $220,000 Daviess County-area home. Gift funds are allowed.
- Is Daviess County a high-cost FHA area?
- No — Daviess County uses the $541,287 national floor for one unit.