FHA Loan Limits in Pike County, Kentucky (2026)
Pike County and the rest of Pike 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 |
From Pike County to the edges of Pike County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Jefferson and Fayette Counties.
How much home can you afford in Pike County?
Homes around Pike County carry an estimated local median near $247,000, so an FHA buyer in Pike County puts down about $8,645 (3.5%). With Kentucky's 0.85% effective property-tax rate, the all-in payment runs near $1,894 a month — comfortable on household income around $73,000, above Kentucky's $60,183 median household income, so budget carefully.
FHA payment scenarios in Pike County
FHA payments across Pike County price points — from entry homes near Pike County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $178,000 | $6,230 | $1,398 |
| Local median — $247,000 | $8,645 | $1,894 |
| At the FHA limit — $541,287 | $18,945 | $4,012 |
Estimates include FHA MIP plus Kentucky property taxes and insurance. Rates move daily near Pike County too — get notified.
First-time buyers make up much of FHA activity in Pike County and across Pike County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $8,645 needed on a median Pike County home.
Multi-unit FHA limits in Pike County
Pike County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Pike 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 Pike County for 2026?
- In Pike County (Pike 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 Pike County with FHA?
- For a median-priced ($247,000) Pike County home, plan on income around $73,000 at a 31% housing ratio — about $1,894/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Pike County?
- 3.5% with a 580+ score — roughly $8,645 on a $247,000 Pike County-area home. Gift funds are allowed.
- Is Pike County a high-cost FHA area?
- No — Pike County uses the $541,287 national floor for one unit.