FHA Loan Limits in Pulaski County, Kentucky (2026)
Pulaski County and the rest of Pulaski 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 |
Every community in Pulaski County — Pulaski County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Jefferson and Fayette Counties.
How much home can you afford in Pulaski County?
An FHA buyer near Pulaski County faces an estimated $212,000 median, a $7,420 down payment, and — after Kentucky's 0.85% property tax — a monthly cost around $1,642. That suits household income of roughly $64,000, above Kentucky's $60,183 median household income, so budget carefully.
FHA payment scenarios in Pulaski County
FHA payments across Pulaski County price points — from entry homes near Pulaski County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $153,000 | $5,355 | $1,218 |
| Local median — $212,000 | $7,420 | $1,642 |
| At the FHA limit — $541,287 | $18,945 | $4,012 |
Estimates include FHA MIP plus Kentucky property taxes and insurance. Rates move daily near Pulaski County too — get notified.
Buyers across Pulaski County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $7,420 down payment near Pulaski County into little out of pocket.
Multi-unit FHA limits in Pulaski County
Pulaski County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Pulaski 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 Pulaski County for 2026?
- In Pulaski County (Pulaski 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 Pulaski County with FHA?
- For a median-priced ($212,000) Pulaski County home, plan on income around $64,000 at a 31% housing ratio — about $1,642/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Pulaski County?
- 3.5% with a 580+ score — roughly $7,420 on a $212,000 Pulaski County-area home. Gift funds are allowed.
- Is Pulaski County a high-cost FHA area?
- No — Pulaski County uses the $541,287 national floor for one unit.