FHA Loan Limits in Scott County, Kentucky (2026)
Scott County and the rest of Scott 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 Scott County to the edges of Scott 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 Scott County?
Homes around Scott County carry an estimated local median near $206,000, so an FHA buyer in Scott County puts down about $7,210 (3.5%). With Kentucky's 0.85% effective property-tax rate, the all-in payment runs near $1,599 a month — comfortable on household income around $62,000, above Kentucky's $60,183 median household income, so budget carefully.
FHA payment scenarios in Scott County
Whether you are buying in Scott County or a smaller Scott 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 — $148,000 | $5,180 | $1,182 |
| Local median — $206,000 | $7,210 | $1,599 |
| At the FHA limit — $541,287 | $18,945 | $4,012 |
Estimates include FHA MIP plus Kentucky property taxes and insurance. Rates move daily near Scott County too — get notified.
First-time buyers make up much of FHA activity in Scott County and across Scott County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $7,210 needed on a median Scott County home.
Multi-unit FHA limits in Scott County
Investors and house-hackers in Scott County and across Scott 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 Scott County for 2026?
- In Scott County (Scott 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 Scott County with FHA?
- For a median-priced ($206,000) Scott County home, plan on income around $62,000 at a 31% housing ratio — about $1,599/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Scott County?
- 3.5% with a 580+ score — roughly $7,210 on a $206,000 Scott County-area home. Gift funds are allowed.
- Is Scott County a high-cost FHA area?
- No — Scott County uses the $541,287 national floor for one unit.