FHA Loan Limits and USDA Eligibility in Floyd County, Kentucky
2026 FHA one-unit limit in Floyd 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
Floyd 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 |
|---|---|---|
| 41216 | $541,287 | $122,800 |
| 41601 | $541,287 | $122,800 |
| 41602 | $541,287 | $122,800 |
| 41603 | $541,287 | $122,800 |
| 41604 | $541,287 | $122,800 |
| 41605 | $541,287 | $122,800 |
| 41606 | $541,287 | $122,800 |
| 41607 | $541,287 | $122,800 |
| 41612 | $541,287 | $122,800 |
| 41615 | $541,287 | $122,800 |
| 41616 | $541,287 | $122,800 |
| 41619 | $541,287 | $122,800 |
| 41621 | $541,287 | $122,800 |
| 41622 | $541,287 | $122,800 |
| 41630 | $541,287 | $122,800 |
| 41631 | $541,287 | $122,800 |
| 41635 | $541,287 | $122,800 |
| 41636 | $541,287 | $122,800 |
| 41640 | $541,287 | $122,800 |
| 41642 | $541,287 | $122,800 |
| 41643 | $541,287 | $122,800 |
| 41645 | $541,287 | $122,800 |
| 41647 | $541,287 | $122,800 |
| 41649 | $541,287 | $122,800 |
| 41650 | $541,287 | $122,800 |
| 41651 | $541,287 | $122,800 |
| 41653 | $541,287 | $122,800 |
| 41655 | $541,287 | $122,800 |
| 41659 | $541,287 | $122,800 |
| 41660 | $541,287 | $122,800 |
| 41663 | $541,287 | $122,800 |
| 41666 | $541,287 | $122,800 |
| 41667 | $541,287 | $122,800 |
| 41669 | $541,287 | $122,800 |