Kentucky FHA Loan Limits 2026

View FHA loan limits for all 120 counties in Kentucky. Select a county below to calculate your FHA monthly payment with local limits applied.

Counties

120

Lowest Limit

$541,287

Highest Limit

$541,287

High-Cost Areas

About 2026 FHA limits: The national floor is $541,287 and the ceiling is $1,249,125.Kentucky has 120 standard-limit counties. Limits are set by HUD based on median home prices.

FHA Loan Limits by County

County	1-Unit	2-Unit	3-Unit	4-Unit	Type
Adair County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Allen County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Anderson Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ballard County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Barren County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bath County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bell County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Boone County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bourbon County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Boyd County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Boyle County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bracken County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Breathitt Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Breckinridge C	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bullitt County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Butler County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Caldwell Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Calloway Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Campbell Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Carlisle Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Carroll County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Carter County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Casey County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Christian Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Clark County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Clay County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Clinton County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Crittenden Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cumberland Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Daviess County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Edmonson Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Elliott County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Estill County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Fayette County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Fleming County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Floyd County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Franklin Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Fulton County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Gallatin Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Garrard County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Grant County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Graves County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Grayson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Green County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Greenup County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hancock County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hardin County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Harlan County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Harrison Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hart County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Henderson Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Henry County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hickman County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hopkins County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jackson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jefferson Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jessamine Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Johnson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Kenton County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Knott County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Knox County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Larue County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Laurel County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lawrence Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lee County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Leslie County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Letcher County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lewis County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lincoln County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Livingston Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Logan County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lyon County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Madison County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Magoffin Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Marion County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Marshall Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Martin County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mason County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mccracken Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mccreary Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mclean County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Meade County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Menifee County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mercer County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Metcalfe Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Monroe County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Montgomery Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Morgan County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Muhlenberg Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Nelson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Nicholas Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ohio County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Oldham County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Owen County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Owsley County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pendleton Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Perry County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pike County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Powell County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pulaski County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Robertson Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Rockcastle Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Rowan County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Russell County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Scott County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Shelby County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Simpson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Spencer County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Taylor County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Todd County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Trigg County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Trimble County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Union County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Warren County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Washington Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wayne County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Webster County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Whitley County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wolfe County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Woodford Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate

Calculate Your FHA Payment in Kentucky

Use the calculator below with Kentucky pre-selected. Choose your county to see the exact FHA limit that applies to you.

Back to Tools

FHA Loan Calculator

Calculate FHA loan payments including upfront and monthly mortgage insurance premiums.

Data last updated: January 2026

FHA Loan Details

State

County

Home Price$400,000

$50,000$2,000,000

Down Payment3.5% ($14,000)

3.5%30%

Credit Score Range

Interest Rate

FHA rates are typically similar to conventional rates

Loan Term

Property Tax Rate (Annual)

Your FHA Loan Estimate

Total Monthly Payment

$3,081.61

Principal, interest, MIP, taxes & insurance

Principal & Interest$2,418.26

Monthly MIP$180.01

Property Tax$366.67

Home Insurance$116.67

Total Monthly$3,081.61

FHA Mortgage Insurance

Upfront MIP (1.75%)$6,755

Monthly MIP (0.55%/yr)$180.01/mo

Upfront MIP is financed into the loan. Monthly MIP is required for the life of the loan (for most FHA loans with less than 10% down).

Base Loan Amount

$386,000

Total Loan Amount

$392,755

Including upfront MIP

FHA vs Conventional Comparison

FHA Monthly Payment$3,081.61

Conventional Monthly*$3,085.18

Difference-$3.57/mo

*Conventional estimate assumes same rate with PMI at 0.7% until 20% equity. Actual rates and PMI may vary.

FHA Loan Benefits

Lower credit score requirements (580+ for 3.5% down)
Low down payment (3.5% minimum)
Down payment can come from gifts or grants
More flexible DTI requirements (up to 57%)

Your estimated FHA payment: $3,081.61/mo

FHA rates vary by lender. Get matched with FHA-approved lenders competing for your business.

Free, no obligation. Local professionals compete to help you.

Disclaimer: FHA loan limits and MIP rates are subject to change. This calculator uses 2026 HUD data. Verify eligibility with an FHA-approved lender.

Frequently Asked Questions

What is FHA mortgage insurance premium (MIP)?

FHA MIP consists of two parts: an upfront premium of 1.75% of the loan amount (usually financed into the loan) and an annual premium of 0.55% paid monthly. Unlike conventional PMI, FHA MIP typically lasts the life of the loan for loans with less than 10% down.

What are the 2026 FHA loan limits?

For 2026, FHA loan limits range from $541,287 (floor) to $1,249,125 (ceiling) for single-family homes. The exact limit depends on your county. High-cost areas like San Francisco and New York have limits at the ceiling, while most areas are at or near the floor.

How much is FHA MIP in 2026?

In 2026, FHA MIP is 1.75% upfront (financed into the loan) plus 0.55% annually for most loans. On a $300,000 loan, that is $5,250 upfront and approximately $138 per month in ongoing MIP.

What credit score do I need for an FHA loan?

FHA loans require a minimum credit score of 580 for the 3.5% down payment program. Borrowers with scores between 500-579 may qualify with 10% down. Most lenders prefer 620+ for better rates and easier approval.

Can I remove MIP from my FHA loan?

For FHA loans originated after June 2013 with less than 10% down, MIP lasts the life of the loan. To remove it, you would need to refinance into a conventional loan once you have 20% equity. Loans with 10%+ down have MIP for 11 years.

Related Calculators

Mortgage DTI Closing Costs Down Payment Amortization First-Time Buyer Rent vs Buy

Understanding FHA Loan Limits in Kentucky

FHA loan limits in Kentucky vary by county and are set annually by the U.S. Department of Housing and Urban Development (HUD). For 2026, Kentucky's single-family FHA limits range from $541,287 to $541,287.

How FHA Limits Affect Your Home Purchase

The FHA loan limit for your county is the maximum mortgage amount you can obtain with an FHA loan. If you need to borrow more than your county's limit, you may need to consider a conventional loan or make a larger down payment. FHA loans require a minimum 3.5% down payment with a credit score of 580 or higher.

Other States

Looking at other states? Return to the FHA Calculator to explore limits in any state and county across the U.S.