What is the 2026 FHA loan limit in Kentucky?

Every county FHA lists in Kentucky uses the same one-unit cap of $541,287 for case numbers assigned on or after January 1, 2026. Limits are higher for 2–4 unit properties. Enter a ZIP on this page to see the 1–4 unit figures.

Do FHA loan limits vary by ZIP in Kentucky?

Limits are set by county , not by ZIP. A ZIP is only a lookup. FHA’s ZIP file can list more than one Kentucky county for the same ZIP. This map shows every county FHA lists and that county’s 1–4 unit caps. The property address picks the county on the loan.

How does this map assign limits to a ZIP?

We use HUD’s CY2026 FHA Forward Limits file (one row per county) and HUD’s CHUMS ZIP file (ZIP + city → county). When a ZIP lists two counties, we show both. Confirm the official cap with a lender or the HUD county lookup .

What if my purchase price is over the FHA limit?

FHA will not insure above the county limit. You can bring a larger down payment so the loan stays under the cap, or look at conventional or jumbo financing. A lender can run both paths.

2026 FHA Loan Limits in Kentucky

One-unit limits in Kentucky: $541,287. Enter a property ZIP to see every county FHA lists and the 1–4 unit caps.

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Kentucky one-unit limits: —

Kentucky

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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+For official verification, see HUD.gov

2026 one-unit floor and ceiling

From HUD for case numbers assigned on or after January 1, 2026. Kentucky one-unit limits sit at $541,287. The national floor is $541,287. The high-cost ceiling is $1,249,125.

Kentucky low

$541,287

Lowest one-unit FHA cap among Kentucky counties.

Kentucky high

$541,287

Highest one-unit FHA cap among Kentucky counties.

2026 limits from HUD's CY2026 FHA Forward Limits · ZIP-to-county from the CHUMS ZIP file · File layouts · Confirm a county on the official HUD lookup.