2025 Kentucky Rural Housing Income limits
2025 USDA Income Limits for Every Kentucky County
Going after a zero-down USDA Rural Development loan in the Bluegrass State? Start with the household income cap. As of June 18 2025, Kentucky has two tiers:
- Statewide Standard – $119,850 for households of 1–4 people and $158,250 for 5–8 people.
- Cincinnati, OH-KY-IN HUD Metro FMR Area* (Boone, Campbell, Gallatin, Kenton) – $128,600 (1–4) / $169,800 (5–8).
*These four counties sit inside the Cincinnati MSA, so USDA assigns higher “Moderate-Income Guaranteed-Loan” limits.
Full County-by-County Chart
Most counties follow the statewide standard. The four Cincinnati-MSA counties are highlighted with their higher caps.
| County | Limit (1–4 Ppl) | Limit (5–8 Ppl) |
|---|---|---|
| Adair | $119,850 | $158,250 |
| Allen | $119,850 | $158,250 |
| Anderson | $119,850 | $158,250 |
| Ballard | $119,850 | $158,250 |
| Barren | $119,850 | $158,250 |
| Bath | $119,850 | $158,250 |
| Bell | $119,850 | $158,250 |
| Boone | $128,600 | $169,800 |
| Campbell | $128,600 | $169,800 |
| Gallatin | $128,600 | $169,800 |
| Kenton | $128,600 | $169,800 |
| Bourbon | $119,850 | $158,250 |
| Boyd | $119,850 | $158,250 |
| Boyle | $119,850 | $158,250 |
| Bracken | $119,850 | $158,250 |
| Breathitt | $119,850 | $158,250 |
| Breckinridge | $119,850 | $158,250 |
| Bullitt | $119,850 | $158,250 |
| Butler | $119,850 | $158,250 |
| Caldwell | $119,850 | $158,250 |
| Calloway | $119,850 | $158,250 |
| Carlisle | $119,850 | $158,250 |
| Carroll | $119,850 | $158,250 |
| Carter | $119,850 | $158,250 |
| Casey | $119,850 | $158,250 |
| Christian | $119,850 | $158,250 |
| Clark | $119,850 | $158,250 |
| Clay | $119,850 | $158,250 |
| Clinton | $119,850 | $158,250 |
| Crittenden | $119,850 | $158,250 |
| Cumberland | $119,850 | $158,250 |
| Daviess | $119,850 | $158,250 |
| Edmonson | $119,850 | $158,250 |
| Elliott | $119,850 | $158,250 |
| Estill | $119,850 | $158,250 |
| Fayette | $119,850 | $158,250 |
| Fleming | $119,850 | $158,250 |
| Floyd | $119,850 | $158,250 |
| Franklin | $119,850 | $158,250 |
| Fulton | $119,850 | $158,250 |
| Garrard | $119,850 | $158,250 |
| Grant | $119,850 | $158,250 |
| Graves | $119,850 | $158,250 |
| Grayson | $119,850 | $158,250 |
| Green | $119,850 | $158,250 |
| Greenup | $119,850 | $158,250 |
| Hancock | $119,850 | $158,250 |
| Hardin | $119,850 | $158,250 |
| Harlan | $119,850 | $158,250 |
| Harrison | $119,850 | $158,250 |
| Hart | $119,850 | $158,250 |
| Henderson | $119,850 | $158,250 |
| Henry | $119,850 | $158,250 |
| Hickman | $119,850 | $158,250 |
| Hopkins | $119,850 | $158,250 |
| Jackson | $119,850 | $158,250 |
| Jefferson | $119,850 | $158,250 |
| Jessamine | $119,850 | $158,250 |
| Johnson | $119,850 | $158,250 |
| Knott | $119,850 | $158,250 |
| Knox | $119,850 | $158,250 |
| LaRue | $119,850 | $158,250 |
| Laurel | $119,850 | $158,250 |
| Lawrence | $119,850 | $158,250 |
| Lee | $119,850 | $158,250 |
| Leslie | $119,850 | $158,250 |
| Letcher | $119,850 | $158,250 |
| Lewis | $119,850 | $158,250 |
| Lincoln | $119,850 | $158,250 |
| Livingston | $119,850 | $158,250 |
| Logan | $119,850 | $158,250 |
| Lyon | $119,850 | $158,250 |
| McCracken | $119,850 | $158,250 |
| McCreary | $119,850 | $158,250 |
| McLean | $119,850 | $158,250 |
| Madison | $119,850 | $158,250 |
| Magoffin | $119,850 | $158,250 |
| Marion | $119,850 | $158,250 |
| Marshall | $119,850 | $158,250 |
| Martin | $119,850 | $158,250 |
| Mason | $119,850 | $158,250 |
| Meade | $119,850 | $158,250 |
| Menifee | $119,850 | $158,250 |
| Mercer | $119,850 | $158,250 |
| Metcalfe | $119,850 | $158,250 |
| Monroe | $119,850 | $158,250 |
| Montgomery | $119,850 | $158,250 |
| Morgan | $119,850 | $158,250 |
| Muhlenberg | $119,850 | $158,250 |
| Nelson | $119,850 | $158,250 |
| Nicholas | $119,850 | $158,250 |
| Ohio | $119,850 | $158,250 |
| Oldham | $119,850 | $158,250 |
| Owen | $119,850 | $158,250 |
| Owsley | $119,850 | $158,250 |
| Pendleton | $119,850 | $158,250 |
| Perry | $119,850 | $158,250 |
| Pike | $119,850 | $158,250 |
| Powell | $119,850 | $158,250 |
| Pulaski | $119,850 | $158,250 |
| Robertson | $119,850 | $158,250 |
| Rockcastle | $119,850 | $158,250 |
| Rowan | $119,850 | $158,250 |
| Russell | $119,850 | $158,250 |
| Scott | $119,850 | $158,250 |
| Shelby | $119,850 | $158,250 |
| Simpson | $119,850 | $158,250 |
| Spencer | $119,850 | $158,250 |
| Taylor | $119,850 | $158,250 |
| Todd | $119,850 | $158,250 |
| Trigg | $119,850 | $158,250 |
| Trimble | $119,850 | $158,250 |
| Union | $119,850 | $158,250 |
| Warren | $119,850 | $158,250 |
| Washington | $119,850 | $158,250 |
| Wayne | $119,850 | $158,250 |
| Webster | $119,850 | $158,250 |
| Whitley | $119,850 | $158,250 |
| Wolfe | $119,850 | $158,250 |
| Woodford | $119,850 | $158,250 |
Source: USDA Rural Development, FY 2025 Moderate-Income Guaranteed-Loan limits.
Frequently Asked Questions
🔎 How does USDA define “income”?
USDA counts total household income, not just the borrowers on the loan. Certain allowances (dependents, childcare, medical expenses) can bring you under the limit.
📍 Is my property address eligible?
Most of Kentucky outside metro Louisville, Lexington, and pockets of Northern KY qualifies. We run a free address check for every borrower in minutes.
💳 Minimum credit score?
The USDA rulebook has no hard minimum, but most lenders—including EVO Mortgage—look for a 640 FICO for automated GUS approval. Manual underwriting can dip lower with solid compensating factors.
Need to Verify Your USDA Eligibility?
Click below for a same-day pre-qualification—no hard credit pull.
🚜 Start My USDA Pre-QualCall/Text (502) 905-3708 • kentuckyloan@gmail.com
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All loan programs, rates, and terms are subject to change without notice and are contingent on borrower qualification, property location, and underwriting approval. Not a commitment to lend.
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| 2025 Kentucky USDA Rural Housing Map, 2025 Kentucky Rural Housing Income limits, |
