FHA Loan Limits in Kenton County, Kentucky (2026)
Kenton County and the rest of Kenton 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 |
These 2026 limits apply throughout Kenton County, from Kenton County outward, and sit alongside the limits set for neighboring Jefferson and Fayette Counties.
How much home can you afford in Kenton County?
Homes around Kenton County carry an estimated local median near $181,000, so an FHA buyer in Kenton County puts down about $6,335 (3.5%). With Kentucky's 0.85% effective property-tax rate, the all-in payment runs near $1,419 a month — comfortable on household income around $55,000, under Kentucky's $60,183 median household income.
FHA payment scenarios in Kenton County
Whether you are buying in Kenton County or a smaller Kenton 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 — $130,000 | $4,550 | $1,052 |
| Local median — $181,000 | $6,335 | $1,419 |
| At the FHA limit — $541,287 | $18,945 | $4,012 |
Estimates include FHA MIP plus Kentucky property taxes and insurance. Rates move daily near Kenton County too — get notified.
In Kenton County and the surrounding Kenton County market, FHA's appeal is the math: $6,335 down on a $181,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Kenton County
Investors and house-hackers in Kenton County and across Kenton 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 Kenton County for 2026?
- In Kenton County (Kenton 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 Kenton County with FHA?
- For a median-priced ($181,000) Kenton County home, plan on income around $55,000 at a 31% housing ratio — about $1,419/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Kenton County?
- 3.5% with a 580+ score — roughly $6,335 on a $181,000 Kenton County-area home. Gift funds are allowed.
- Is Kenton County a high-cost FHA area?
- No — Kenton County uses the $541,287 national floor for one unit.