Kentucky conforming loan limits 2026
Kentucky has 120 counties. Every county uses the $832,750 baseline — no part of the state qualifies for a high-cost limit.
No part of it qualifies for a high-cost figure, so every county here uses the $832,750 baseline. For 2026, the figure moved in 120 of its 120 counties and 0 stayed the same.
Kentucky ranks 4th of 56 jurisdictions by county count, and 23rd by highest limit. Of its counties, 67 sit inside a metropolitan or micropolitan area, across 24 such areas. None of its counties shares a statistical area with a county on a higher figure elsewhere.
Highest limit in state
$832,750
Counties above baseline
0
Distinct figures
0
each figure is set for a whole area
All counties in Kentucky
| County | 1-unit 2026 | 2025 | 2024 | Change | Counties sharing this figure |
|---|---|---|---|---|---|
| Adair County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Allen County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Anderson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Ballard County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Barren County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bath County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bell County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Boone County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bourbon County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Boyd County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Boyle County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bracken County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Breathitt County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Breckinridge County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bullitt County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Butler County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Caldwell County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Calloway County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Campbell County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Carlisle County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Carroll County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Carter County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Casey County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Christian County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Clark County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Clay County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Clinton County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Crittenden County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Cumberland County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Daviess County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Edmonson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Elliott County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Estill County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Fayette County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Fleming County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Floyd County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Franklin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Fulton County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Gallatin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Garrard County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Grant County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Graves County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Grayson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Green County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Greenup County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hancock County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hardin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Harlan County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Harrison County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hart County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Henderson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Henry County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hickman County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hopkins County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Jackson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Jefferson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Jessamine County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Johnson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Kenton County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Knott County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Knox County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Larue County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Laurel County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lawrence County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lee County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Leslie County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Letcher County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lewis County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lincoln County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Livingston County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Logan County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lyon County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Madison County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Magoffin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Marion County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Marshall County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Martin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mason County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mccracken County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mccreary County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mclean County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Meade County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Menifee County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mercer County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Metcalfe County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Monroe County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Montgomery County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Morgan County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Muhlenberg County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Nelson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Nicholas County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Ohio County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Oldham County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Owen County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Owsley County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Pendleton County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Perry County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Pike County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Powell County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Pulaski County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Robertson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Rockcastle County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Rowan County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Russell County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Scott County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Shelby County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Simpson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Spencer County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Taylor County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Todd County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Trigg County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Trimble County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Union County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Warren County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Washington County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Wayne County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Webster County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Whitley County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Wolfe County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Woodford County | $832,750 | $806,500 | $766,550 | +3.3% | — |
Where several counties carry the same figure, it is set for the metropolitan or micropolitan area they belong to rather than for the county line. County names in the table link to the figure that applies to them, or to the calculator for counties on the baseline.
Frequently asked
Does all of Kentucky use the baseline conforming loan limit?
Yes — all 120 counties use the $832,750 baseline in 2026.
What counts as a jumbo loan in Kentucky?
Any mortgage above the figure for the area where the property is. In baseline counties that is a loan above $832,750.
Can I check a county that has no page of its own?
The calculator covers all 3235 counties, including every county listed above.