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Updated: December 2, 2024
2025 Mortgage Loan Limits: Kentucky
| 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:
Kentucky 2025 mortgage loan limits include the following cities: No specific cities listed
Historical Charts: Mortgage Loan Limits in Kentucky
Mortgage loan limits adjust annually to match changes in U.S. home values. As home values go up or down in Kentucky, so do the local loan limits. Changes in mortgage loan limits promote affordable homeownership, fair lending, and a balanced housing market.
Mortgage Statistics from Kentucky
Mortgage statistics for Kentucky, sourced from the Home Mortgage Disclosure Act (HMDA) database, maintained by the Federal Financial Institutions Examination Council (FFIEC). The HMDA database contains detailed, anonymous loan data and provides insight into home buyer traits, mortgage borrowing patterns, and mortgage approval rates. Percentages may not total 100% due to rounding.
| Mortgages | Total |
|---|---|
| Purchase Mortgages (2018-2023) | 320409 |
| 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 Near Kentucky
Get 2025 conforming and FHA mortgage loan limits for the areas surrounding Kentucky. Local loan limits and county-level mortgage data updated regularly.
