FHA Loan Limits and USDA Eligibility in Fayette County, Kentucky
2026 FHA one-unit limit in Fayette County is $541,287. Two-unit is $693,050, three-unit is $837,700, and four-unit is $1,041,125. USDA 502 Guaranteed 1–4 person moderate income is $122,800. Enter a ZIP on the maps. USDA scores the property address, not the county.
2026 FHA Loan Limits Map for Kentucky
Kentucky one-unit limits: —
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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+
USDA Property Eligibility and Income Limits Map for Kentucky
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EligibleIneligibleUSDA ineligible boundary
Fayette County FHA Loan Limits and USDA Income
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.
| ZIP | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| 40502 | $541,287 | $122,800 |
| 40503 | $541,287 | $122,800 |
| 40504 | $541,287 | $122,800 |
| 40505 | $541,287 | $122,800 |
| 40506 | $541,287 | $122,800 |
| 40507 | $541,287 | $122,800 |
| 40508 | $541,287 | $122,800 |
| 40509 | $541,287 | $122,800 |
| 40510 | $541,287 | $122,800 |
| 40511 | $541,287 | $122,800 |
| 40512 | $541,287 | $122,800 |
| 40513 | $541,287 | $122,800 |
| 40514 | $541,287 | $122,800 |
| 40515 | $541,287 | $122,800 |
| 40516 | $541,287 | $122,800 |
| 40517 | $541,287 | $122,800 |
| 40522 | $541,287 | $122,800 |
| 40523 | $541,287 | $122,800 |
| 40524 | $541,287 | $122,800 |
| 40526 | $541,287 | $122,800 |
| 40533 | $541,287 | $122,800 |
| 40536 | $541,287 | $122,800 |
| 40544 | $541,287 | $122,800 |
| 40546 | $541,287 | $122,800 |
| 40555 | $541,287 | $122,800 |
| 40574 | $541,287 | $122,800 |
| 40575 | $541,287 | $122,800 |
| 40576 | $541,287 | $122,800 |
| 40577 | $541,287 | $122,800 |
| 40578 | $541,287 | $122,800 |
| 40579 | $541,287 | $122,800 |
| 40580 | $541,287 | $122,800 |
| 40581 | $541,287 | $122,800 |
| 40582 | $541,287 | $122,800 |
| 40583 | $541,287 | $122,800 |
| 40588 | $541,287 | $122,800 |
| 40591 | $541,287 | $122,800 |