Current FHA Mortgage Rates in KY - Kentucky FHA Mortgage

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Kentucky Mortgages

2022 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 2022 FHA loan limits for each county in Kentucky are below.

County Name One Family Two Family Three Family Four Family
Adair One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Allen One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Anderson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Ballard One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Barren One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Bath One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Bell One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Boone One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Bourbon One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Boyd One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Boyle One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Bracken One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Breathitt One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Breckinridge One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Bullitt One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Butler One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Caldwell One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Calloway One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Campbell One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Carlisle One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Carroll One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Carter One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Casey One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Christian One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Clark One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Clay One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Clinton One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Crittenden One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Cumberland One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Daviess One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Edmonson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Elliott One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Estill One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Fayette One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Fleming One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Floyd One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Franklin One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Fulton One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Gallatin One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Garrard One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Grant One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Graves One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Grayson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Green One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Greenup One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Hancock One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Hardin One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Harlan One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Harrison One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Hart One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Henderson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Henry One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Hickman One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Hopkins One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Jackson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Jefferson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Jessamine One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Johnson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Kenton One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Knott One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Knox One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Larue One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Laurel One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lawrence One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lee One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Leslie One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Letcher One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lewis One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lincoln One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Livingston One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Logan One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lyon One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Madison One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Magoffin One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Marion One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Marshall One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Martin One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Mason One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Mccracken One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Mccreary One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Mclean One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Meade One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Menifee One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Mercer One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Metcalfe One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Monroe One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Montgomery One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Morgan One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Muhlenberg One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Nelson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Nicholas One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Ohio One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Oldham One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Owen One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Owsley One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Pendleton One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Perry One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Pike One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Powell One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Pulaski One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Robertson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Rockcastle One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Rowan One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Russell One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Scott One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Shelby One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Simpson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Spencer One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Taylor One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Todd One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Trigg One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Trimble One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Union One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Warren One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Washington One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Wayne One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Webster One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Whitley One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Wolfe One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Woodford One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
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