Kentucky Loan Limits

2021 Loan Limits

2021 Loan limits in Kentucky by county. Click on the map or table 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 $548,250.

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 $548,250
Allen County $185,000 $548,250
Anderson County $155,000 $548,250
Ballard County $163,000 $548,250
Barren County $123,000 $548,250
Bath County $137,000 $548,250
Bell County $79,000 $548,250
Boone County $257,000 $548,250
Bourbon County $215,000 $548,250
Boyd County $195,000 $548,250
Boyle County $161,000 $548,250
Bracken County $257,000 $548,250
Breathitt County $60,000 $548,250
Breckinridge County $86,000 $548,250
Bullitt County $302,000 $548,250
Butler County $185,000 $548,250
Caldwell County $67,000 $548,250
Calloway County $121,000 $548,250
Campbell County $257,000 $548,250
Carlisle County $82,000 $548,250
Carroll County $128,000 $548,250
Carter County $195,000 $548,250
Casey County $93,000 $548,250
Christian County $200,000 $548,250
Clark County $215,000 $548,250
Clay County $172,000 $548,250
Clinton County $74,000 $548,250
Crittenden County $63,000 $548,250
Cumberland County $105,000 $548,250
Daviess County $177,000 $548,250
Edmonson County $185,000 $548,250
Elliott County $87,000 $548,250
Estill County $170,000 $548,250
Fayette County $215,000 $548,250
Fleming County $104,000 $548,250
Floyd County $110,000 $548,250
Franklin County $155,000 $548,250
Fulton County $55,000 $548,250
Gallatin County $257,000 $548,250
Garrard County $116,000 $548,250
Grant County $257,000 $548,250
Graves County $114,000 $548,250
Grayson County $170,000 $548,250
Green County $91,000 $548,250
Greenup County $195,000 $548,250
Hancock County $177,000 $548,250
Hardin County $155,000 $548,250
Harlan County $67,000 $548,250
Harrison County $100,000 $548,250
Hart County $106,000 $548,250
Henderson County $201,000 $548,250
Henry County $302,000 $548,250
Hickman County $91,000 $548,250
Hopkins County $99,000 $548,250
Jackson County $73,000 $548,250
Jefferson County $302,000 $548,250
Jessamine County $215,000 $548,250
Johnson County $93,000 $548,250
Kenton County $257,000 $548,250
Knott County $85,000 $548,250
Knox County $172,000 $548,250
Larue County $155,000 $548,250
Laurel County $172,000 $548,250
Lawrence County $95,000 $548,250
Lee County $73,000 $548,250
Leslie County $148,000 $548,250
Letcher County $83,000 $548,250
Lewis County $60,000 $548,250
Lincoln County $161,000 $548,250
Livingston County $163,000 $548,250
Logan County $142,000 $548,250
Lyon County $127,000 $548,250
McCracken County $163,000 $548,250
McCreary County $69,000 $548,250
McLean County $177,000 $548,250
Madison County $170,000 $548,250
Magoffin County $80,000 $548,250
Marion County $119,000 $548,250
Marshall County $109,000 $548,250
Martin County $94,000 $548,250
Mason County $123,000 $548,250
Meade County $155,000 $548,250
Menifee County $137,000 $548,250
Mercer County $119,000 $548,250
Metcalfe County $123,000 $548,250
Monroe County $82,000 $548,250
Montgomery County $137,000 $548,250
Morgan County $84,000 $548,250
Muhlenberg County $83,000 $548,250
Nelson County $155,000 $548,250
Nicholas County $98,000 $548,250
Ohio County $94,000 $548,250
Oldham County $302,000 $548,250
Owen County $106,000 $548,250
Owsley County $96,000 $548,250
Pendleton County $257,000 $548,250
Perry County $85,000 $548,250
Pike County $97,000 $548,250
Powell County $113,000 $548,250
Pulaski County $147,000 $548,250
Robertson County $126,000 $548,250
Rockcastle County $87,000 $548,250
Rowan County $132,000 $548,250
Russell County $82,000 $548,250
Scott County $215,000 $548,250
Shelby County $302,000 $548,250
Simpson County $206,000 $548,250
Spencer County $302,000 $548,250
Taylor County $91,000 $548,250
Todd County $102,000 $548,250
Trigg County $200,000 $548,250
Trimble County $94,000 $548,250
Union County $77,000 $548,250
Warren County $185,000 $548,250
Washington County $144,000 $548,250
Wayne County $78,000 $548,250
Webster County $69,000 $548,250
Whitley County $172,000 $548,250
Wolfe County $73,000 $548,250
Woodford County $215,000 $548,250

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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 January 2, 2021