FHA Loan Limits in McCracken County, Kentucky (2026)
From McCracken County, FHA buyers in McCracken 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 McCracken County — McCracken 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 McCracken County?
With McCracken County's median sale price estimated near $237,000 (think McCracken County), the FHA down payment is roughly $8,295. Factoring Kentucky property taxes near 0.85%, expect about $1,822 monthly, pointing to income near $71,000 — above Kentucky's $60,183 median household income, so budget carefully.
FHA payment scenarios in McCracken County
Here is what an FHA payment looks like at three McCracken County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $171,000 | $5,985 | $1,347 |
| Local median — $237,000 | $8,295 | $1,822 |
| At the FHA limit — $541,287 | $18,945 | $4,012 |
Estimates include FHA MIP plus Kentucky property taxes and insurance. Rates move daily near McCracken County too — get notified.
Buyers across McCracken County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $8,295 down payment near McCracken County into little out of pocket.
Multi-unit FHA limits in McCracken County
Looking at a duplex or fourplex near McCracken County? FHA allows up to $692,997 on two units and $1,041,072 on four in McCracken County, with the same low 3.5% down for owner-occupants.
Your Free FHA Early-Warning System
One quick signup and we keep you posted on FHA rate drops, new programs, and requirement changes.
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 McCracken County for 2026?
- In McCracken County (McCracken 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 McCracken County with FHA?
- For a median-priced ($237,000) McCracken County home, plan on income around $71,000 at a 31% housing ratio — about $1,822/month including taxes, insurance, and MIP.
- How much is the FHA down payment in McCracken County?
- 3.5% with a 580+ score — roughly $8,295 on a $237,000 McCracken County-area home. Gift funds are allowed.
- Is McCracken County a high-cost FHA area?
- No — McCracken County uses the $541,287 national floor for one unit.