FHA Loan Limits in Jefferson County, Kentucky (2026)
In Jefferson County — anchored by Jefferson 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 Jefferson County — Jefferson County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Fayette and Kenton Counties.
Affording a home in Jefferson County & Jefferson County
With Jefferson County's median sale price estimated near $250,000 (think Jefferson County), the FHA down payment is roughly $8,750. Factoring Kentucky property taxes near 0.85%, expect about $1,916 monthly, pointing to income near $74,000 — above Kentucky's $60,183 median household income, so budget carefully.
FHA payment scenarios in Jefferson County
Here is what an FHA payment looks like at three Jefferson County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $180,000 | $6,300 | $1,412 |
| Local median — $250,000 | $8,750 | $1,916 |
| At the FHA limit — $541,287 | $18,945 | $4,012 |
Estimates include FHA MIP plus Kentucky property taxes and insurance. Rates move daily near Jefferson County too — get notified.
Buyers across Jefferson County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $8,750 down payment near Jefferson County into little out of pocket.
Multi-unit FHA limits in Jefferson County
Looking at a duplex or fourplex near Jefferson County? FHA allows up to $692,997 on two units and $1,041,072 on four in Jefferson 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 Jefferson County for 2026?
- In Jefferson County (Jefferson 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 Jefferson County with FHA?
- For a median-priced ($250,000) Jefferson County home, plan on income around $74,000 at a 31% housing ratio — about $1,916/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Jefferson County?
- 3.5% with a 580+ score — roughly $8,750 on a $250,000 Jefferson County-area home. Gift funds are allowed.
- Is Jefferson County a high-cost FHA area?
- No — Jefferson County uses the $541,287 national floor for one unit.