FHA Loan Limits in Laurel County, Kentucky (2026)
From Laurel County, FHA buyers in Laurel 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 |
From Laurel County to the edges of Laurel County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Jefferson and Fayette Counties.
What can you buy with FHA in Laurel County?
An FHA buyer near Laurel County faces an estimated $191,000 median, a $6,685 down payment, and — after Kentucky's 0.85% property tax — a monthly cost around $1,491. That suits household income of roughly $58,000, under Kentucky's $60,183 median household income.
FHA payment scenarios in Laurel County
FHA payments across Laurel County price points — from entry homes near Laurel County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $138,000 | $4,830 | $1,110 |
| Local median — $191,000 | $6,685 | $1,491 |
| At the FHA limit — $541,287 | $18,945 | $4,012 |
Estimates include FHA MIP plus Kentucky property taxes and insurance. Rates move daily near Laurel County too — get notified.
First-time buyers make up much of FHA activity in Laurel County and across Laurel County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $6,685 needed on a median Laurel County home.
Multi-unit FHA limits in Laurel County
Laurel County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Laurel County can live in one unit and rent the rest to offset the mortgage.
FHA Alerts, Free to Your Inbox
Free to join in under 30 seconds. Get notified when it is time to act.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Laurel County for 2026?
- In Laurel County (Laurel 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 Laurel County with FHA?
- For a median-priced ($191,000) Laurel County home, plan on income around $58,000 at a 31% housing ratio — about $1,491/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Laurel County?
- 3.5% with a 580+ score — roughly $6,685 on a $191,000 Laurel County-area home. Gift funds are allowed.
- Is Laurel County a high-cost FHA area?
- No — Laurel County uses the $541,287 national floor for one unit.