X

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Current FHA Mortgage Rates in KY - Kentucky FHA Mortgage

Kentucky Mortgages

2024 FHA Loan Limits for Kentucky

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2024 FHA loan limits for each county in Kentucky are below.

Select County
County Name One Family Two Family Three Family Four Family
Adair One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Allen One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Anderson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Ballard One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Barren One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bath One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bell One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Boone One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bourbon One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Boyd One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Boyle One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bracken One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Breathitt One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Breckinridge One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bullitt One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Butler One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Caldwell One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Calloway One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Campbell One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Carlisle One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Carroll One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Carter One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Casey One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Christian One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clark One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clay One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clinton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Crittenden One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cumberland One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Daviess One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Edmonson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Elliott One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Estill One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Fayette One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Fleming One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Floyd One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Franklin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Fulton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Gallatin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Garrard One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Grant One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Graves One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Grayson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Green One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Greenup One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hancock One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hardin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Harlan One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Harrison One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hart One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Henderson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Henry One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hickman One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hopkins One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jackson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jefferson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jessamine One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Johnson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Kenton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Knott One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Knox One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Larue One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Laurel One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lawrence One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lee One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Leslie One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Letcher One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lewis One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lincoln One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Livingston One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Logan One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lyon One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Madison One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Magoffin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Marion One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Marshall One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Martin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mason One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mccracken One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mccreary One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mclean One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Meade One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Menifee One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mercer One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Metcalfe One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Monroe One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Montgomery One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Morgan One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Muhlenberg One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Nelson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Nicholas One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Ohio One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Oldham One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Owen One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Owsley One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pendleton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Perry One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pike One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Powell One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pulaski One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Robertson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Rockcastle One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Rowan One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Russell One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Scott One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Shelby One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Simpson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Spencer One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Taylor One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Todd One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Trigg One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Trimble One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Union One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Warren One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Washington One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wayne One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Webster One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Whitley One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wolfe One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Woodford One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300

Mortgage Rates by State

Add to Homescreen?
✓
X
X
Install this web app on your phone :tap and then Add to homescreen