FHA Loan Limits in Madison County, Kentucky (2026)
From Madison County, FHA buyers in Madison 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 |
Every community in Madison County — Madison County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Jefferson and Fayette Counties.
What can you buy with FHA in Madison County?
An FHA buyer near Madison County faces an estimated $245,000 median, a $8,575 down payment, and — after Kentucky's 0.85% property tax — a monthly cost around $1,880. That suits household income of roughly $73,000, above Kentucky's $60,183 median household income, so budget carefully.
FHA payment scenarios in Madison County
Whether you are buying in Madison County or a smaller Madison 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 — $176,000 | $6,160 | $1,383 |
| Local median — $245,000 | $8,575 | $1,880 |
| At the FHA limit — $541,287 | $18,945 | $4,012 |
Estimates include FHA MIP plus Kentucky property taxes and insurance. Rates move daily near Madison County too — get notified.
Buyers across Madison County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $8,575 down payment near Madison County into little out of pocket.
Multi-unit FHA limits in Madison County
Investors and house-hackers in Madison County and across Madison 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 Madison County for 2026?
- In Madison County (Madison 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 Madison County with FHA?
- For a median-priced ($245,000) Madison County home, plan on income around $73,000 at a 31% housing ratio — about $1,880/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Madison County?
- 3.5% with a 580+ score — roughly $8,575 on a $245,000 Madison County-area home. Gift funds are allowed.
- Is Madison County a high-cost FHA area?
- No — Madison County uses the $541,287 national floor for one unit.