Kentucky Rural Housing USDA Maximum Income by County for 2018



Breaking Down the USDA Loan Income Limits for Kentucky Counties.

Kentucky USDA loan income limits vary by location and household size with a base income-limit for the entire state of Kentucky, 
The base USDA income limits are for most Kentucky counties below: 
  • 1-4 member household: $82,700
  • 5-8 member household: $109,150
Households with 1-4 members have different limits as households with 5-8. Similarly, applicants living in high-cost counties will have a higher income limit than those living in counties with a more average cost of living.

USDA income limits increased TODAY in most counties in Kentucky

This program is awesome and allows for up to 100% financing.
 In addition, homes that Appraise for more than the purchase price 
will allow the buyer to roll the closing costs into the loan!
Most Kentucky  Area income limits are now $82,700 for households of 1 to 4
 and $109,150 for households of 5 or more. Daycare or other 
child care expenses may allow higher incomes.



County NameFamily Size 1 -4Family Size 5 – 8
Adair$99,850
Allen$75,650$99,850
Anderson$78,900$104,150
Ballard$75,650$99,850
Barren$75,650$99,850
Bath$75,650$99,850
Bell$75,650$99,850
Boone$82,000$108,250
Bourbon$78,400$103,500
Boyd$75,650$99,850
Boyle$75,650$99,850
Bracken$82,000$108,250
Breathitt$75,650$99,850
Breckinridge$75,650$99,850
Bullitt$75,650$99,850
Butler$75,650$99,850
Caldwell$75,650$99,850
Calloway$75,650$99,850
Campbell$82,000$108,250
Carlisle$75,650$99,850
Carroll$75,650$99,850
Carter$75,650$99,850
Casey$75,650$99,850
Christian$75,650$99,850
Clark$78,400$103,500
Clay$75,650$99,850
Clinton$75,650$99,850
Crittenden$75,650$99,850
Cumberland$75,650$99,850
Daviess$75,650$99,850
Edmonson$75,650$99,850
Elliott$75,650$99,850
Estill$75,650$99,850
Fayette$78,400$103,500
Fleming$75,650$99,850
Floyd$75,650$99,850
Franklin$76,850$101,450
Fulton$75,650$99,850
Gallatin$82,000$108,250
Garrard$75,650$99,850
Grant$75,650$99,850
Graves$75,650$99,850
Grayson$75,650$99,850
Green$75,650$99,850
Greenup$75,650$99,850
Hancock$75,650$99,850
Hardin$75,650$99,850
Harlan$75,650$99,850
Harrison$75,650$99,850
Hart$75,650$99,850
Henderson$75,650$99,850
Henry$75,650$99,850
Hickman$75,650$99,850
Hopkins$75,650$99,850
Jackson$75,650$99,850
Jefferson$75,650$99,850
Jessamine$78,400$103,500
Johnson$75,650$99,850
Kenton$82,000$108,250
Knott$75,650$99,850
Knox$75,650$99,850
Larue$75,650$99,850
Laurel$75,650$99,850
Lawrence$75,650$99,850
Lee$75,650$99,850
Leslie$75,650$99,850
Letcher$75,650$99,850
Lewis$75,650$99,850
Lincoln$75,650$99,850
Livingston$75,650$99,850
Logan$75,650$99,850
Lyon$75,650$99,850
Madison$75,650$99,850
Magoffin$75,650$99,850
Marion$75,650$99,850
Marshall$75,650$99,850
Martin$75,650$99,850
Mason$75,650$99,850
McCracken$75,650$99,850
McCreary$75,650$99,850
McLean$75,650$99,850
Meade$75,650$99,850
Menifee$75,650$99,850
Mercer$75,650$99,850
Metcalfe$75,650$99,850
Monroe$75,650$99,850
Montgomery$75,650$99,850
Morgan$75,650$99,850
Muhlenberg$75,650$99,850
Nelson$75,650$99,850
Nicholas$75,650$99,850
Ohio$75,650$99,850
Oldham$75,650$99,850
Owen$75,650$99,850
Owsley$75,650$99,850
Pendleton$82,000$108,250
Perry$75,650$99,850
Pike$75,650$99,850
Powell$75,650$99,850
Pulaski$75,650$99,850
Robertson$75,650$99,850
Rockcastle$75,650$99,850
Rowan$75,650$99,850
Russell$75,650$99,850
Scott$78,400$103,500
Shelby$84,750$111,850
Simpson$75,650$99,850
Spencer$75,650$99,850
Taylor$75,650$99,850
Todd$75,650$99,850
Trigg$75,650$99,850
Trimble$75,650$99,850
Union$75,650$99,850
Warren$75,650$99,850
Washington$75,650$99,850
Wayne$75,650$99,850
Webster$75,650$99,850
Whitley$75,650$99,850
Wolfe$75,650$99,850
Woodford$78,400$103,500

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2018 Kentucky Rural Housing Income Limits for the Guarantee Rural Housing Loan Program 









Most are familiar with USDA Rural Housing Loan Program  being a great no money down program available and it is not just for Kentucky first time buyers
But starting with commitments on October 1, the funding fee that is financed is going from 2.75% to only 1%!  On a $100,000 loan, a buyer saves about $1750!  In addition, the annual fee (like PMI) reduces from .5% to .35% which lowers the monthly payment by $15 a month on an $100,000 loan amount.
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Joel Lobb
Senior Loan Officer
(NMLS#57916
text or call my phone: (502) 905-3708
email me at kentuckyloan@gmail.com
The view and opinions stated on this website belong solely to the authors, and are intended for informational purposes only. The posted information does not guarantee approval, nor does it comprise full underwriting guidelines. This does not represent being part of a government agency. The views expressed on this post are mine and do not necessarily reflect the view of my employer. Not all products or services mentioned on this site may fit all people. NMLS ID# 57916, (www.nmlsconsumeraccess.org). USDA Mortgage loans only offered in Kentucky.
All loans and lines are subject to credit approval, verification, and collateral evaluation and are originated by lender. Products and interest rates are subject to change without notice. Manufactured and mobile homes are not eligible as collateral.