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With half of 2024 gone, it's time for our Mid-year review of HSH's 2024 Mortgage and Housing Market Outlook. Have a look and see how we're doing!

With half of 2024 gone, it's time for our Mid-year review of HSH's 2024 Mortgage and Housing Market Outlook. Have a look and see how we're doing!

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.

County Name One Family Two Family Three Family Four Family
Adair One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Allen One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Anderson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Ballard One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Barren One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Bath One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Bell One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Boone One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Bourbon One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Boyd One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Boyle One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Bracken One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Breathitt One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Breckinridge One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Bullitt One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Butler One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Caldwell One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Calloway One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Campbell One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Carlisle One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Carroll One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Carter One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Casey One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Christian One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clark One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clay One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clinton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Crittenden One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cumberland One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Daviess One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Edmonson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Elliott One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Estill One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Fayette One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Fleming One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Floyd One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Franklin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Fulton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Gallatin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Garrard One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Grant One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Graves One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Grayson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Green One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Greenup One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hancock One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hardin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Harlan One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Harrison One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hart One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Henderson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Henry One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hickman One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hopkins One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jackson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jefferson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jessamine One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Johnson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Kenton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Knott One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Knox One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Larue One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Laurel One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lawrence One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lee One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Leslie One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Letcher One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lewis One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lincoln One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Livingston One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Logan One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lyon One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Madison One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Magoffin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Marion One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Marshall One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Martin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mason One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mccracken One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mccreary One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mclean One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Meade One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Menifee One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mercer One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Metcalfe One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Monroe One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Montgomery One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Morgan One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Muhlenberg One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Nelson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Nicholas One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Ohio One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Oldham One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Owen One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Owsley One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pendleton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Perry One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pike One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Powell One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pulaski One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Robertson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Rockcastle One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Rowan One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Russell One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Scott One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Shelby One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Simpson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Spencer One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Taylor One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Todd One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Trigg One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Trimble One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Union One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Warren One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Washington One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wayne One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Webster One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Whitley One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wolfe One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Woodford One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
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