FHA Loan Limits in Oldham County, Kentucky (2026)
From Oldham County, FHA buyers in Oldham 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 Oldham County — Oldham 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 Oldham County?
Homes around Oldham County carry an estimated local median near $195,000, so an FHA buyer in Oldham County puts down about $6,825 (3.5%). With Kentucky's 0.85% effective property-tax rate, the all-in payment runs near $1,520 a month — comfortable on household income around $59,000, under Kentucky's $60,183 median household income.
FHA payment scenarios in Oldham County
FHA payments across Oldham County price points — from entry homes near Oldham County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $140,000 | $4,900 | $1,124 |
| Local median — $195,000 | $6,825 | $1,520 |
| At the FHA limit — $541,287 | $18,945 | $4,012 |
Estimates include FHA MIP plus Kentucky property taxes and insurance. Rates move daily near Oldham County too — get notified.
Buyers across Oldham County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $6,825 down payment near Oldham County into little out of pocket.
Multi-unit FHA limits in Oldham County
Oldham County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Oldham County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Oldham County for 2026?
- In Oldham County (Oldham 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 Oldham County with FHA?
- For a median-priced ($195,000) Oldham County home, plan on income around $59,000 at a 31% housing ratio — about $1,520/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Oldham County?
- 3.5% with a 580+ score — roughly $6,825 on a $195,000 Oldham County-area home. Gift funds are allowed.
- Is Oldham County a high-cost FHA area?
- No — Oldham County uses the $541,287 national floor for one unit.