FHA Loan Limits and USDA Eligibility in Letcher County, Kentucky
2026 FHA one-unit limit in Letcher 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
Letcher 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 |
|---|---|---|
| 40823 | $541,287 | $122,800 |
| 40826 | $541,287 | $122,800 |
| 40862 | $541,287 | $122,800 |
| 41517 | $541,287 | $122,800 |
| 41537 | $541,287 | $122,800 |
| 41804 | $541,287 | $122,800 |
| 41810 | $541,287 | $122,800 |
| 41812 | $541,287 | $122,800 |
| 41815 | $541,287 | $122,800 |
| 41819 | $541,287 | $122,800 |
| 41821 | $541,287 | $122,800 |
| 41824 | $541,287 | $122,800 |
| 41825 | $541,287 | $122,800 |
| 41826 | $541,287 | $122,800 |
| 41832 | $541,287 | $122,800 |
| 41833 | $541,287 | $122,800 |
| 41835 | $541,287 | $122,800 |
| 41837 | $541,287 | $122,800 |
| 41838 | $541,287 | $122,800 |
| 41840 | $541,287 | $122,800 |
| 41845 | $541,287 | $122,800 |
| 41848 | $541,287 | $122,800 |
| 41849 | $541,287 | $122,800 |
| 41855 | $541,287 | $122,800 |
| 41858 | $541,287 | $122,800 |