FHA Loan Limits and USDA Eligibility in Jefferson County, Kentucky
2026 FHA one-unit limit in Jefferson 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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Jefferson 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 |
|---|---|---|
| 40023 | $541,287 | $122,800 |
| 40025 | $541,287 | $122,800 |
| 40041 | $541,287 | $122,800 |
| 40059 | $541,287 | $122,800 |
| 40118 | $541,287 | $122,800 |
| 40202 | $541,287 | $122,800 |
| 40203 | $541,287 | $122,800 |
| 40204 | $541,287 | $122,800 |
| 40205 | $541,287 | $122,800 |
| 40206 | $541,287 | $122,800 |
| 40207 | $541,287 | $122,800 |
| 40208 | $541,287 | $122,800 |
| 40209 | $541,287 | $122,800 |
| 40210 | $541,287 | $122,800 |
| 40211 | $541,287 | $122,800 |
| 40212 | $541,287 | $122,800 |
| 40213 | $541,287 | $122,800 |
| 40214 | $541,287 | $122,800 |
| 40215 | $541,287 | $122,800 |
| 40216 | $541,287 | $122,800 |
| 40217 | $541,287 | $122,800 |
| 40218 | $541,287 | $122,800 |
| 40219 | $541,287 | $122,800 |
| 40220 | $541,287 | $122,800 |
| 40221 | $541,287 | $122,800 |
| 40222 | $541,287 | $122,800 |
| 40223 | $541,287 | $122,800 |
| 40228 | $541,287 | $122,800 |
| 40229 | $541,287 | $122,800 |
| 40231 | $541,287 | $122,800 |
| 40241 | $541,287 | $122,800 |
| 40242 | $541,287 | $122,800 |
| 40243 | $541,287 | $122,800 |
| 40245 | $541,287 | $122,800 |
| 40258 | $541,287 | $122,800 |
| 40272 | $541,287 | $122,800 |
| 40280 | $541,287 | $122,800 |
| 40291 | $541,287 | $122,800 |
| 40299 | $541,287 | $122,800 |