Kentucky Rural Housing USDA Maximum Income by County for 2018




2018 KY USDA Rural Housing Income Limits for Kentucky Counties for the Guaranteed RHS Loan


For Kentucky USDA Rural Housing Loans, the income limits have increased by about 5%. For a family of one to four people, USDA Rural Housing Kentucky County  income limits are around $82,700 depending on the county. For a family of over five people, income limits are around $109,150.
The USDA Rural Development (RD) home loan program helps individuals achieve home ownership in small towns or rural areas. The program is open to home buyers whose annual income does not exceed the USDA’s income limits.
The best part of the USDA RD Loan? It doesn’t require a down payment! That’s right, this is a true 100% financing home loan.
With the recent increase in income limits, even more families will now be able to qualify for a USDA home loan.
Want to see if you qualify for a Kentucky USDA Home Loan? Apply today for a Rural Housing Loan in Kentucky for 2018!

Kentucky  USDA Income Limits as of 06/13/2018





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$75,650$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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2017 Kentucky Rural Housing Income Limits for the Guarantee Rural Housing Loan Program 






2014 Kentucky USDA Loan  Maximum Income Limits by County
County Name    
1-4 Person Households(Guaranteed Loans)
5-8 Person Households 
(Guaranteed Loans)
NON-METRO
ADAIR
$74,750
$98,650
NON-METRO
ALLEN
$74,750
$98,650
FRANKFORT, KY (MICRO)
ANDERSON
$74,750
$98,650
PADUCAH, KY-IL (MICRO)
BALLARD
$74,750
$98,650
GLASGOW, KY (MICRO)
BARREN
$74,750
$98,650
MOUNT STERLING, KY (MICRO)
BATH
$74,750
$98,650
MIDDLESBOROUGH, KY (MICRO)
BELL
$74,750
$98,650
CINCINNATI-MIDDLETOWN, OH-KY-IN (MSA)
BOONE
$82,000
$108,250
LEXINGTON-FAYETTE, KY (MSA)
BOURBON
$77,200
$101,900
HUNTINGTON-ASHLAND, WV-KY-OH (MSA)
BOYD
$74,750
$98,650
DANVILLE, KY (MICRO)
BOYLE
$74,750
$98,650
CINCINNATI-MIDDLETOWN, OH-KY-IN (MSA)
BRACKEN
$82,000
$108,250
NON-METRO
BREATHITT
$74,750
$98,650
NON-METRO
BRECKINRIDGE
$74,750
$98,650
LOUISVILLE-JEFFERON COUNTY, KY-IN (MSA)
BULLITT
$74,750
$98,650
NON-METRO
BUTLER
$74,750
$98,650
NON-METRO
CALDWELL
$74,750
$98,650
MURRAY, KY (MICRO)
CALLOWAY
$74,750
$98,650
CINCINNATI-MIDDLETOWN, OH-KY-IN (MSA)
CAMPBELL
$82,000
$108,250
NON-METRO
CARLISLE
$74,750
$98,650
NON-METRO
CARROLL
$74,750
$98,650
NON-METRO
CARTER
$74,750
$98,650
NON-METRO
CASEY
$74,750
$98,650
CLARKSVILLE, TN-KY (MSA)
CHRISTIAN
$73,600
$97,150
LEXINGTON-FAYETTE, KY (MSA)
CLARK
$73,600
$97,150
NON-METRO
CLAY
$74,750
$98,650
NON-METRO
CLINTON
$74,750
$98,650
NON-METRO
CRITTENDEN
$74,750
$98,650
NON-METRO
CUMBERLAND
$74,750
$98,650
OWENSBORO, KY (MSA)
DAVIESS
$74,750
$98,650
BOWLING GREEN, KY (MSA)
EDMONSON
$74,750
$98,650
NON-METRO
ELLIOTT
$74,750
$98,650
NON-METRO
ESTILL
$74,750
$98,650
LEXINGTON-FAYETTE, KY (MSA)
FAYETTE
$77,200
$101,900
NON-METRO
FLEMING
$74,750
$98,650
NON-METRO
FLOYD
$74,750
$98,650
FRANKFORT, KY (MICRO)
FRANKLIN
$76,850
$101,450
UNION CITY, TN-KY (MICRO)
FULTON
$74,750
$98,650
CINCINNATI-MIDDLETOWN, OH-KY-IN (MSA)
GALLATIN
$82,000
$108,250
NON-METRO
GARRARD
$74,750
$98,65
CINCINNATI-MIDDLETOWN, OH-KY-IN (MSA)
GRANT
$82,000
$108,250
MAYFIELD, KY (MICRO)
GRAVES
$74,750
$98,650
NON-METRO
GRAYSON
$74,750
$98,650
NON-METRO
GREEN
$74,750
$98,650
HUNTINGTON-ASHLAND, WV-KY-OH (MSA)
GREENUP
$74,750
$98,650
OWENSBORO, KY (MSA)
HANCOCK
$74,750
$98,650
ELIZABETHTOWN, KY (MSA)
HARDIN
$74,750
$98,650
NON-METRO
HARLAN
$74,750
$98,650
NON-METRO
HARRISON
$74,750
$98,650
NON-METRO
HART
$74,750
$98,650
EVANSVILLE, IN-KY (MSA)
HENDERSON
$74,750
$98,650
LOUISVILLE-JEFFERON COUNTY, KY-IN (MSA)
HENRY
$74,750
$98,650
NON-METRO
HICKMAN
$74,750
$98,650
MADISONVILLE, KY (MICRO)
HOPKINS
$74,750
$98,650
NON-METRO
JACKSON
$74,750
$98,650
LOUISVILLE-JEFFERON COUNTY, KY-IN (MSA)
JEFFERSON
$74,750
$98,650
LEXINGTON-FAYETTE, KY (MSA)
JESSAMINE
$77,200
$101,900
NON-METRO
JOHNSON
$74,750
$98,650
CINCINNATI-MIDDLETOWN, OH-KY-IN (MSA)
KENTON
$82,000
$108,250
NON-METRO
KNOTT
$74,750
$98,650
NON-METRO
KNOX
$74,750
$98,650
ELIZABETHTOWN, KY (MSA)
LARUE
$74,750
$98,650
LONDON, KY (MICRO)
LAUREL
$74,750
$98,650
NON-METRO
LAWRENCE
$74,750
$98,650
NON-METRO
LEE
$74,750
$98,650
NON-METRO
LESLIE
$74,750
$98,650
NON-METRO
LETCHER
$74,750
$98,650
MAYSVILLE, KY (MICRO)
LEWIS
$74,750
$98,650
DANVILLE, KY (MICRO)
LINCOLN
$74,750
$98,650
PADUCAH, KY-IL (MICRO)
LIVINGSTON
$74,750
$98,650
NON-METRO
LOGAN
$74,750
$98,650
NON-METRO
LYON
$74,750
$98,650
RICHMOND-BEREA, KY (MICRO)
MADISON
$74,750
$98,650
NON-METRO
MAGOFFIN
$74,750
$98,650
NON-METRO
MARION
$74,750
$98,650
NON-METRO
MARSHALL
$74,750
$98,650
NON-METRO
MARTIN
$74,750
$98,650
MAYSVILLE, KY (MICRO)
MASON
$74,750
$98,650
PADUCAH, KY-IL (MICRO)
MCCRACKEN
$74,750
$98,650
NON-METRO
MCCREARY
$74,750
$98,650
OWENSBORO, KY (MSA)
MCLEAN
$74,750
$98,650
LOUISVILLE-JEFFERON COUNTY, KY-IN (MSA)
MEADE
$74,750
$98,650
MOUNT STERLING, KY (MICRO)
MENIFEE
$74,750
$98,650
NON-METRO
MERCER
$74,750
$98,650
GLASGOW, KY (MICRO)
METCALFE
$74,750
$98,650
NON-METRO
MONROE
$74,750
$98,650
MOUNT STERLING, KY (MICRO)
MONTGOMERY
$74,750
$98,650
NON-METRO
MORGAN
$74,750
$98,650
CENTRAL CITY, KY (MICRO)
MUHLENBERG
$74,750
$98,650
LOUISVILLE-JEFFERON COUNTY, KY-IN (MSA)
NELSON
$74,750
$98,650
NON-METRO
NICHOLAS
$74,750
$98,650
NON-METRO
OHIO
$74,750
$98,650
LOUISVILLE-JEFFERON COUNTY, KY-IN (MSA)
OLDHAM
$74,750
$98,650
NON-METRO
OWEN
$74,750
$98,650
NON-METRO
OWSLEY
$74,750
$98,650
CINCINNATI-MIDDLETOWN, OH-KY-IN (MSA)
PENDLETON
$82,000
$108,250
NON-METRO
PERRY
$74,750
$98,650
NON-METRO
PIKE
$74,750
$98,650
NON-METRO
POWELL
$74,750
$98,650
SOMERSET, KY (MICRO)
PULASKI
$74,750
$98,650
NON-METRO
ROBERTSON
$74,750
$98,650
RICHMOND-BEREA, KY (MICRO)
ROCKCASTLE
$74,750
$98,650
NON-METRO
ROWAN
$74,750
$98,650
NON-METRO
RUSSELL
$74,750
$98,650
LEXINGTON-FAYETTE, KY (MSA)
SCOTT
$77,200
$101,900
LOUISVILLE-JEFFERON COUNTY, KY-IN (MSA)
SHELBY
$74,750
$98,650
NON-METRO
SIMPSON
$74,750
$98,650
LOUISVILLE-JEFFERON COUNTY, KY-IN (MSA)
SPENCER
$74,750
$98,650
CAMPBELLSVILLE, KY (MICRO)
TAYLOR
$74,750
$98,650
NON-METRO
TODD
$74,750
$98,650
CLARKSVILLE, TN-KY (MSA)
TRIGG
$74,750
$98,650
LOUISVILLE-JEFFERON COUNTY, KY-IN (MSA)
TRIMBLE
$74,750
$98,650
NON-METRO
UNION
$74,750
$98,650
BOWLING GREEN, KY (MSA)
WARREN
$74,750
$98,650
NON-METRO
WASHINGTON
$74,750
$98,650
NON-METRO
WAYNE
$74,750
$98,650
EVANSVILLE, IN-KY (MSA)
WEBSTER
$74,750
$98,650
CORBIN, KY (MICRO)
WHITLEY
$74,750
$98,650
NON-METRO
WOLFE
$74,750
$98,650
LEXINGTON-FAYETTE, KY (MSA)







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.