Kentucky Loan Limits

2022 Loan Limits

2022 Loan limits in Kentucky by county. Click on the map below to view loan limits for a particular county.

Kentucky Map

Minimum Loan Limit
Maximum Loan Limit

Loan Limits are the same across all of Kentucky. The conforming loan limits for a single-family home anywhere in Kentucky is $647,200.

Loan limits in Kentucky are based on the median home price in each county of Kentucky. Based on home prices across the state, all areas in Kentucky have loan limits equal to the national loan limit baseline.

View the loan limits overview for information on how loan limits are set for each county. Click on the a specific county from the table below for detailed loan limit information.

Counties in Kentucky (120)

Low-Cost Counties
County Median Home Price Conforming Loan Limit for
Single-Family Home
Adair County $85,000 $647,200
Allen County $196,000 $647,200
Anderson County $181,000 $647,200
Ballard County $163,000 $647,200
Barren County $123,000 $647,200
Bath County $141,000 $647,200
Bell County $79,000 $647,200
Boone County $295,000 $647,200
Bourbon County $235,000 $647,200
Boyd County $195,000 $647,200
Boyle County $161,000 $647,200
Bracken County $295,000 $647,200
Breathitt County $60,000 $647,200
Breckinridge County $86,000 $647,200
Bullitt County $315,000 $647,200
Butler County $196,000 $647,200
Caldwell County $67,000 $647,200
Calloway County $140,000 $647,200
Campbell County $295,000 $647,200
Carlisle County $86,000 $647,200
Carroll County $140,000 $647,200
Carter County $195,000 $647,200
Casey County $93,000 $647,200
Christian County $235,000 $647,200
Clark County $235,000 $647,200
Clay County $178,000 $647,200
Clinton County $74,000 $647,200
Crittenden County $67,000 $647,200
Cumberland County $108,000 $647,200
Daviess County $191,000 $647,200
Edmonson County $196,000 $647,200
Elliott County $100,000 $647,200
Estill County $190,000 $647,200
Fayette County $235,000 $647,200
Fleming County $104,000 $647,200
Floyd County $110,000 $647,200
Franklin County $181,000 $647,200
Fulton County $55,000 $647,200
Gallatin County $295,000 $647,200
Garrard County $116,000 $647,200
Grant County $295,000 $647,200
Graves County $126,000 $647,200
Grayson County $170,000 $647,200
Green County $115,000 $647,200
Greenup County $195,000 $647,200
Hancock County $191,000 $647,200
Hardin County $170,000 $647,200
Harlan County $67,000 $647,200
Harrison County $120,000 $647,200
Hart County $114,000 $647,200
Henderson County $221,000 $647,200
Henry County $315,000 $647,200
Hickman County $97,000 $647,200
Hopkins County $100,000 $647,200
Jackson County $73,000 $647,200
Jefferson County $315,000 $647,200
Jessamine County $235,000 $647,200
Johnson County $93,000 $647,200
Kenton County $295,000 $647,200
Knott County $85,000 $647,200
Knox County $178,000 $647,200
Larue County $170,000 $647,200
Laurel County $178,000 $647,200
Lawrence County $96,000 $647,200
Lee County $73,000 $647,200
Leslie County $148,000 $647,200
Letcher County $83,000 $647,200
Lewis County $60,000 $647,200
Lincoln County $161,000 $647,200
Livingston County $163,000 $647,200
Logan County $142,000 $647,200
Lyon County $127,000 $647,200
McCracken County $163,000 $647,200
McCreary County $69,000 $647,200
McLean County $191,000 $647,200
Madison County $190,000 $647,200
Magoffin County $80,000 $647,200
Marion County $127,000 $647,200
Marshall County $119,000 $647,200
Martin County $102,000 $647,200
Mason County $123,000 $647,200
Meade County $170,000 $647,200
Menifee County $141,000 $647,200
Mercer County $135,000 $647,200
Metcalfe County $123,000 $647,200
Monroe County $82,000 $647,200
Montgomery County $141,000 $647,200
Morgan County $84,000 $647,200
Muhlenberg County $83,000 $647,200
Nelson County $170,000 $647,200
Nicholas County $98,000 $647,200
Ohio County $94,000 $647,200
Oldham County $315,000 $647,200
Owen County $106,000 $647,200
Owsley County $96,000 $647,200
Pendleton County $295,000 $647,200
Perry County $91,000 $647,200
Pike County $97,000 $647,200
Powell County $113,000 $647,200
Pulaski County $147,000 $647,200
Robertson County $126,000 $647,200
Rockcastle County $87,000 $647,200
Rowan County $132,000 $647,200
Russell County $82,000 $647,200
Scott County $235,000 $647,200
Shelby County $315,000 $647,200
Simpson County $206,000 $647,200
Spencer County $315,000 $647,200
Taylor County $115,000 $647,200
Todd County $108,000 $647,200
Trigg County $235,000 $647,200
Trimble County $94,000 $647,200
Union County $77,000 $647,200
Warren County $196,000 $647,200
Washington County $144,000 $647,200
Wayne County $78,000 $647,200
Webster County $69,000 $647,200
Whitley County $178,000 $647,200
Wolfe County $73,000 $647,200
Woodford County $235,000 $647,200

More on Kentucky

Want to learn more about Kentucky? See Fair Market Rents in Kentucky to view 40th percentile FMRs or click here to find a Public Housing Authority in Kentucky who can help with finding affordable housing near you.

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Data Source

HUD Seal

FHA Loan limits are published by the HUD. Conforming loan limits are published by Federal Housing Finance Agency (FHFA).

Last updated on December 6, 2022