2025 FHA Loan Limits in Kentucky
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 FHA loan limits by county
Kentucky single-family FHA loan limits
County | One unit | Two units | Three units | Four units | Median 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 |
How are FHA loan limits determined?
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.
How to qualify for an FHA loan in Kentucky
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.
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 units | Low-cost FHA loan limit |
---|---|
Two | $671,200 |
Three | $811,275 |
Four | $1,008,300 |
FHA lenders in Kentucky
Lender | LendingTree rating | Minimum FHA credit score | |
---|---|---|---|
580 | |||
580 | |||
580 | |||
620 | |||
580 |