Dan Green
Dan Green

Dan Green

Homebuyer.com

Dan Green (NMLS 227607) is a licensed mortgage professional who has helped millions of people achieve their American Dream of homeownership. Dan has developed dozens of tools, written thousands of mortgage articles, and recorded hundreds of educational videos. .

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This article was checked for accuracy as of December 2, 2024. Learn more about our commitments to accuracy and your mortgage education in our editorial guidelines.

Published: December 2, 2024

2025 Conventional and FHA Mortgage Loan Limits for Kentucky

Conforming Loans
FHA Loans
Property Type
2025 Loan Limit
1-Unit Homes
$806,500
2-Unit Homes
$1,032,650
3-Unit Homes
$1,248,150
4-Unit Homes
$1,551,250
Source: Federal Housing Finance Agency; Federal Housing Administration

Kentucky mortgage loan limits apply in:

2025 Mortgage Loan Limits - Conforming, FHA, and High-Cost Area
Video Length: 06:51

Historical Charts: Mortgage Loan Limits in Kentucky

Kentucky mortgage loan limits adjust annually to match changes in the FHFA House Price Index.

Conforming Loans
FHA Loans

Mortgage Statistics from Kentucky

Kentucky mortgage statistics are sourced from the FFIEC, which collects anonymous HMDA mortgage data from U.S. mortgage applications.

Mortgages
Total
Purchase Mortgages (2018-2023)
320,409
Loan Type
Relative Share
Conventional
66.08%
FHA
19.49%
VA
8.88%
USDA
5.55%
Property Type
Relative Share
1-Unit Homes
98.47%
2-Unit Homes
1.20%
3-Unit Homes
0.16%
4-Unit Homes
0.18%
Borrower Status
Relative Share
One Applicant
57.94%
Two or More Applicants
42.06%
Gender
Relative Share
Male
35.37%
Female
22.60%
Joint Sex
35.97%
Not Available
6.06%
Race
Relative Share
American Indian / Alaska Native
0.23%
Asian
2.22%
Black / African American
4.53%
Native Hawaiian / Other Pacific Islander
0.11%
White
82.13%
Mixed Race
1.45%
Other Race
9.34%
Ethnicity
Relative Share
Hispanic or Latino
3.67%
Not Hispanic or Latino
84.42%
Joint Ethnicity
1.05%
Other Ethnicity
10.86%
Kentucky data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act

Mortgage Loan Limits in All Kentucky Counties

2025 conforming and FHA mortgage loan limits for all Kentucky counties. Local loan limits and county-level mortgage data updated regularly.

Kentucky Counties

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

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