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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

2025 FHA Loan Limits in Kentucky

Updated on:
Content was accurate at the time of publication.

For many consumers, choosing a mortgage loan backed by the Federal Housing Administration (FHA) makes their home ownership dreams a reality. That’s because FHA eligibility requirements are easier to meet than requirements for a conventional mortgage. If a prospective buyer does qualify, however, the FHA limits how much they can borrow. In all Kentucky counties, the FHA loan limit is $524,225 for a single-family home up to $1,008,300 for a four-unit property.

Kentucky single-family FHA loan limits

CountyOne unitTwo unitsThree unitsFour unitsMedian sales price
ADAIR$524,225$671,200$811,275$1,008,300$62,000
ALLEN$524,225$671,200$811,275$1,008,300$256,000
ANDERSON$524,225$671,200$811,275$1,008,300$254,000
BALLARD$524,225$671,200$811,275$1,008,300$164,000
BARREN$524,225$671,200$811,275$1,008,300$140,000
BATH$524,225$671,200$811,275$1,008,300$160,000
BELL$524,225$671,200$811,275$1,008,300$108,000
BOONE$524,225$671,200$811,275$1,008,300$367,000
BOURBON$524,225$671,200$811,275$1,008,300$303,000
BOYD$524,225$671,200$811,275$1,008,300$215,000
BOYLE$524,225$671,200$811,275$1,008,300$180,000
BRACKEN$524,225$671,200$811,275$1,008,300$367,000
BREATHITT$524,225$671,200$811,275$1,008,300$63,000
BRECKINRIDGE$524,225$671,200$811,275$1,008,300$80,000
BULLITT$524,225$671,200$811,275$1,008,300$398,000
BUTLER$524,225$671,200$811,275$1,008,300$256,000
CALDWELL$524,225$671,200$811,275$1,008,300$70,000
CALLOWAY$524,225$671,200$811,275$1,008,300$140,000
CAMPBELL$524,225$671,200$811,275$1,008,300$367,000
CARLISLE$524,225$671,200$811,275$1,008,300$80,000
CARROLL$524,225$671,200$811,275$1,008,300$180,000
CARTER$524,225$671,200$811,275$1,008,300$215,000
CASEY$524,225$671,200$811,275$1,008,300$175,000
CHRISTIAN$524,225$671,200$811,275$1,008,300$298,000
CLARK$524,225$671,200$811,275$1,008,300$303,000
CLAY$524,225$671,200$811,275$1,008,300$154,000
CLINTON$524,225$671,200$811,275$1,008,300$57,000
CRITTENDEN$524,225$671,200$811,275$1,008,300$68,000
CUMBERLAND$524,225$671,200$811,275$1,008,300$200,000
DAVIESS$524,225$671,200$811,275$1,008,300$175,000
EDMONSON$524,225$671,200$811,275$1,008,300$256,000
ELLIOTT$524,225$671,200$811,275$1,008,300$128,000
ESTILL$524,225$671,200$811,275$1,008,300$250,000
FAYETTE$524,225$671,200$811,275$1,008,300$303,000
FLEMING$524,225$671,200$811,275$1,008,300$103,000
FLOYD$524,225$671,200$811,275$1,008,300$60,000
FRANKLIN$524,225$671,200$811,275$1,008,300$254,000
FULTON$524,225$671,200$811,275$1,008,300$43,000
GALLATIN$524,225$671,200$811,275$1,008,300$367,000
GARRARD$524,225$671,200$811,275$1,008,300$150,000
GRANT$524,225$671,200$811,275$1,008,300$367,000
GRAVES$524,225$671,200$811,275$1,008,300$117,000
GRAYSON$524,225$671,200$811,275$1,008,300$62,000
GREEN$524,225$671,200$811,275$1,008,300$135,000
GREENUP$524,225$671,200$811,275$1,008,300$215,000
HANCOCK$524,225$671,200$811,275$1,008,300$175,000
HARDIN$524,225$671,200$811,275$1,008,300$232,000
HARLAN$524,225$671,200$811,275$1,008,300$40,000
HARRISON$524,225$671,200$811,275$1,008,300$130,000
HART$524,225$671,200$811,275$1,008,300$244,000
HENDERSON$524,225$671,200$811,275$1,008,300$260,000
HENRY$524,225$671,200$811,275$1,008,300$398,000
HICKMAN$524,225$671,200$811,275$1,008,300$159,000
HOPKINS$524,225$671,200$811,275$1,008,300$122,000
JACKSON$524,225$671,200$811,275$1,008,300$35,000
JEFFERSON$524,225$671,200$811,275$1,008,300$398,000
JESSAMINE$524,225$671,200$811,275$1,008,300$303,000
JOHNSON$524,225$671,200$811,275$1,008,300$91,000
KENTON$524,225$671,200$811,275$1,008,300$367,000
KNOTT$524,225$671,200$811,275$1,008,300$75,000
KNOX$524,225$671,200$811,275$1,008,300$154,000
LARUE$524,225$671,200$811,275$1,008,300$232,000
LAUREL$524,225$671,200$811,275$1,008,300$154,000
LAWRENCE$524,225$671,200$811,275$1,008,300$141,000
LEE$524,225$671,200$811,275$1,008,300$65,000
LESLIE$524,225$671,200$811,275$1,008,300$110,000
LETCHER$524,225$671,200$811,275$1,008,300$93,000
LEWIS$524,225$671,200$811,275$1,008,300$58,000
LINCOLN$524,225$671,200$811,275$1,008,300$180,000
LIVINGSTON$524,225$671,200$811,275$1,008,300$164,000
LOGAN$524,225$671,200$811,275$1,008,300$160,000
LYON$524,225$671,200$811,275$1,008,300$169,000
MADISON$524,225$671,200$811,275$1,008,300$250,000
MAGOFFIN$524,225$671,200$811,275$1,008,300$30,000
MARION$524,225$671,200$811,275$1,008,300$145,000
MARSHALL$524,225$671,200$811,275$1,008,300$120,000
MARTIN$524,225$671,200$811,275$1,008,300$129,000
MASON$524,225$671,200$811,275$1,008,300$88,000
MCCRACKEN$524,225$671,200$811,275$1,008,300$164,000
MCCREARY$524,225$671,200$811,275$1,008,300$60,000
MCLEAN$524,225$671,200$811,275$1,008,300$175,000
MEADE$524,225$671,200$811,275$1,008,300$232,000
MENIFEE$524,225$671,200$811,275$1,008,300$160,000
MERCER$524,225$671,200$811,275$1,008,300$165,000
METCALFE$524,225$671,200$811,275$1,008,300$140,000
MONROE$524,225$671,200$811,275$1,008,300$65,000
MONTGOMERY$524,225$671,200$811,275$1,008,300$160,000
MORGAN$524,225$671,200$811,275$1,008,300$55,000
MUHLENBERG$524,225$671,200$811,275$1,008,300$80,000
NELSON$524,225$671,200$811,275$1,008,300$225,000
NICHOLAS$524,225$671,200$811,275$1,008,300$61,000
OHIO$524,225$671,200$811,275$1,008,300$99,000
OLDHAM$524,225$671,200$811,275$1,008,300$398,000
OWEN$524,225$671,200$811,275$1,008,300$115,000
OWSLEY$524,225$671,200$811,275$1,008,300$111,000
PENDLETON$524,225$671,200$811,275$1,008,300$367,000
PERRY$524,225$671,200$811,275$1,008,300$131,000
PIKE$524,225$671,200$811,275$1,008,300$63,000
POWELL$524,225$671,200$811,275$1,008,300$115,000
PULASKI$524,225$671,200$811,275$1,008,300$120,000
ROBERTSON$524,225$671,200$811,275$1,008,300$130,000
ROCKCASTLE$524,225$671,200$811,275$1,008,300$68,000
ROWAN$524,225$671,200$811,275$1,008,300$146,000
RUSSELL$524,225$671,200$811,275$1,008,300$65,000
SCOTT$524,225$671,200$811,275$1,008,300$303,000
SHELBY$524,225$671,200$811,275$1,008,300$398,000
SIMPSON$524,225$671,200$811,275$1,008,300$224,000
SPENCER$524,225$671,200$811,275$1,008,300$398,000
TAYLOR$524,225$671,200$811,275$1,008,300$135,000
TODD$524,225$671,200$811,275$1,008,300$140,000
TRIGG$524,225$671,200$811,275$1,008,300$298,000
TRIMBLE$524,225$671,200$811,275$1,008,300$131,000
UNION$524,225$671,200$811,275$1,008,300$75,000
WARREN$524,225$671,200$811,275$1,008,300$256,000
WASHINGTON$524,225$671,200$811,275$1,008,300$223,000
WAYNE$524,225$671,200$811,275$1,008,300$60,000
WEBSTER$524,225$671,200$811,275$1,008,300$66,000
WHITLEY$524,225$671,200$811,275$1,008,300$154,000
WOLFE$524,225$671,200$811,275$1,008,300$44,000
WOODFORD$524,225$671,200$811,275$1,008,300$303,000

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Each year, according to the National Housing Act, the FHA must set a floor (or low) and ceiling (or high) loan limit for all the loans it backs. The FHA does this by calculating a percentage of the national conforming loan limit, which the Federal Housing Finance Agency (FHFA) sets for all conventional mortgages owned or guaranteed by Fannie Mae and Freddie Mac.

The national conforming loan limit in 2025 for a one-unit property is $806,500. The FHA uses 65% of the national conforming loan limit to set the floor. For 2025, that is $524,225 for a one-unit property. Most counties across the country fall into this category. The FHA uses 150% of the national conforming loan limit to set the ceiling. For 2025, that is $1,209,750 for a one-unit property.

Loan limits may be further adjusted in Alaska, Hawaii, Guam and the U.S. Virgin Islands due to higher building costs.

To qualify for FHA loans in Kentucky, borrowers must meet certain requirements outlined by the lender, so lenders can evaluate their risk of defaulting on the loan. Lenders also want to see whether you have the resources to pay the down payment and closing costs on the mortgage loan. These requirements include:

  • Credit score: Borrowers must have a minimum credit score of 500 with a down payment of 10% or more. They must have a minimum credit score of 580 to make a down payment of 3.5%.
  • Debt-to-income (DTI) ratio: The DTI ratio looks at how much of your gross income goes toward your monthly debt. To calculate it, your total debt is divided by your gross income. The maximum allowable DTI ratio for FHA loans is 43%; for borrowers with a high credit score and hefty cash on hand, it could be 50% or higher.
  • Income limits: There are no income limits for FHA loans.
  • Residency: Borrowers must live in the home for at least one year.
  • Mortgage insurance: All FHA loans include mortgage insurance in the event the borrower defaults on the loan. This cost could increase the loan balance or monthly payment, depending on when the borrower pays it.
  • Cash on hand: The lender may require borrowers with low credit scores or a high DTI ratio to maintain cash on hand to cover several monthly mortgage payments.

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Buying a multifamily property with an FHA loan

FHA loans are not limited to single-family homes. You also can use them to purchase a multifamily home with two to four units. You can live in one unit while renting out the others, which is known as house hacking. The requirements to qualify are similar to those for a one-unit home, including the fact that you may make a minimum down payment of just 3.5%.

  • Credit score: The minimum credit score is 500 with a 10% down payment and 580 with a 3.5% down payment.
  • DTI ratio: The maximum DTI ratio is 43%.
  • Residency: You must live in one of the units as your primary residence.
  • Cash on hand: Lenders require borrowers to keep cash on hand equal to several monthly mortgage payments.

Number of unitsLow-cost FHA loan limit
Two$671,200
Three$811,275
Four$1,008,300

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