Kentucky Rural Housing USDA Maximum Income by County for 2024

2024 Kentucky 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: 


New Kentucky USDA Rural Housing  Income limits for most counties in 2023 (*) in Kentucky are $110,600 for a household family of four and household families of five or more  can make up to $146,050 with the new changes for  Kentucky Rural Housing ​USDA ​Loan Program for 2022 ​ust recently increased their income limits Families of 4 or less people can now have a maximum annual income of $103,500 (used to be $90,000) in most counties and 5 or more people in the household income can now be a maximum of $136,600  What does that mean? It means if before you were told you make too much to qualify for a ​Kentucky ​USDA loan, you might qualify now






New Kentucky USDA Rural Housing  Income limits for most counties in 2023 (*) in Kentucky are $110,600 for a household family of four and household families of five or more  can make up to $146,050 with the new changes for 
2023 Kentucky USDA Income limits, the Jefferson County Louisville, KY Metro area (**) saw an increase of $110,600 for a family of four and up to $146,050 for a family of five or more. The metro area surrounding counties of Jefferson County includes Oldham, Bullitt, Spencer are included in these higher income limits for USDA loans.
Remember,  the entire  Jefferson County and Fayette County  Kentucky counties are not eligible for USDA loans. Along with parts of the following counties Daviess (Owensboro), Mccracken (Paducah), Madison County, (Richmond), Clark County (Winchester), Warren (Bowling Green), Hardin (Fort Knox and Radcliff), Bullitt(Hillview, Maryville, Zoneton, Fairdale, Brooks), Franklin, (Frankfort), Henderson (Henderson City Limits), Christian County (Hopkinsville, Fort Campbell), Boyd County (Ashland city limits) and the most Northern Parts of Boone, Kenton, Campbell Counties of Northern Kentucky (Covington, Florence, Richwood, Hebron, Ludlow, Fort Thomas, Bellevue, Ryle, Beechwood, ) 

The Northern Kentucky Counties (***) of Boon, Kenton, Campbell, Bracken, Gallatin, and Pendleton are $116,300 for a household of four or less and up to $153,500 for a family of five or more.
USDA Eligible Areas in Northern Kentucky
Burlington
Hebron
Independence
Walton
Alexandria
Highland Heights
Cold Springs
Grant County
Owen County
Pendleton County
USDA Income Limits
Boone, Kenton & Campbell Counties (N. KY)

$116,300 (family size 1-4)
$153,500 (family size 5 or more)
Grant, Owen & Pendleton Counties (N. KY)

$110,650 (family size 1-4)
$153,500  (family size 5 or more)




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.
USDA HOME LOAN APPLICATION IN KENTUCKY

Joel Lobb
Senior Loan Officer
(NMLS#57916


text or call my phone: (502) 905-3708

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.
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA



County 1-4 Occupants 5-8* Occupants

Adair $110,650 $146,050
Allen $110,650 $146,050
Anderson $110,650 $146,050
Ballard $110,650 $146,050
Barren $110,650 $146,050
Bath $110,650 $146,050
Bell $110,650 $146,050
Boone $116,300 $153,500
Bourbon $110,650 $146,050
Boyd $110,650 $146,050
Boyle $110,650 $146,050
Bracken $116,300 $153,500
Breathitt $110,650 $146,050
Breckinridge $110,650 $146,050
Bullitt $110,650 $146,050
Butler $110,650 $146,050
Caldwell $110,650 $146,050
Calloway $110,650 $146,050
Campbell $116,300 $153,500
Carlisle $110,650 $146,050
Carroll $110,650 $146,050
Carter $110,650 $146,050
Casey $110,650 $146,050
Christian $110,650 $146,050
Clark $110,650 $146,050
Clay $110,650 $146,050
Clinton $110,650 $146,050
Crittenden $110,650 $146,050
Cumberland $110,650 $146,050
Daviess $110,650 $146,050
Edmonson $110,650 $146,050
Elliott $110,650 $146,050
Estill $110,650 $146,050
Fayette $110,650 $146,050
Fleming $110,650 $146,050
Floyd $110,650 $146,050
Franklin $110,650 $146,050
Fulton $110,650 $146,050
Gallatin $110,650 $146,050
Garrard $110,650 $146,050
Grant $110,650 $146,050
Graves $110,650 $146,050
Grayson $110,650 $146,050
Green $110,650 $146,050
Greenup $110,650 $146,050
Hancock $110,650 $146,050
Hardin $110,650 $146,050
Harlan $110,650 $146,050
Harrison $110,650 $146,050
Hart $110,650 $146,050
Henderson $110,650 $146,050
Henry $110,650 $146,050
Hickman $110,650 $146,050
Hopkins $110,650 $146,050
Jackson $110,650 $146,050
Jefferson $110,650 $146,050
Jessamine $110,650 $146,050
Johnson $110,650 $146,050
Kenton $116,300 $153,500
Knott $110,650 $146,050
Knox $110,650 $146,050
Larue $110,650 $146,050
Laurel $110,650 $146,050
Lawrence $110,650 $146,050
Lee $110,650 $146,050
Leslie $110,650 $146,050
Letcher $110,650 $146,050
Lewis $110,650 $146,050
Lincoln $110,650 $146,050
Livingston $110,650 $146,050
Logan $110,650 $146,050
Lyon $110,650 $146,050
Madison $110,650 $146,050
Magoffin $110,650 $146,050
Marion $110,650 $146,050
Marshall $110,650 $146,050
Martin $110,650 $146,050
Mason $110,650 $146,050
McCracken $110,650 $146,050
McCreary $110,650 $146,050
McLean $110,650 $146,050
Meade $110,650 $146,050
Menifee $110,650 $146,050
Mercer $110,650 $146,050
Metcalfe $110,650 $146,050
Monroe $110,650 $146,050
Montgomery $110,650 $146,050
Morgan $110,650 $146,050
Muhlenberg $110,650 $146,050
Nelson $110,650 $146,050
Nicholas $110,650 $146,050
Ohio $110,650 $146,050
Oldham $110,650 $146,050
Owen $110,650 $146,050
Owsley $110,650 $146,050
Pendleton $116,300 $153,500
Perry $110,650 $146,050
Pike $110,650 $146,050
Powell $110,650 $146,050
Pulaski $110,650 $146,050
Robertson $110,650 $146,050
Rockcastle $110,650 $146,050
Rowan $110,650 $146,050
Russell $110,650 $146,050
Scott $110,650 $146,050
Shelby $110,650 $146,050
Simpson $110,650 $146,050
Spencer $110,650 $146,050
Taylor $110,650 $146,050
Todd $110,650 $146,050
Trigg $110,650 $146,050
Trimble $110,650 $146,050
Union $110,650 $146,050
Warren $110,650 $146,050
Washington $110,650 $146,050
Wayne $110,650 $146,050
Webster $110,650 $146,050
Whitley $110,650 $146,050
Wolfe $110,650 $146,050
Woodford $110,650 $146,050


*Add 8% of the 4 person limit for each person in excess of 8 persons.




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