2025 Kentucky USDA Loan Income Limits by County

Kentucky USDA loan income limits vary depending on location and household size, with specific base income thresholds for most counties. Below is an updated guide for the 2025 USDA income limits in Kentucky:

2024 USDA Income Limits for Most Kentucky Counties

General Income Limits for Most Counties (*)

  • Household Size 1-4: Up to $112,450
  • Household Size 5+: Up to $148,450

Jefferson County Louisville Metro Area () and Surrounding Counties**

The Jefferson County Metro Area, which includes Oldham, Bullitt, and Spencer counties, follows higher income limits:

  • Household Size 1-4: $112,450
  • Household Size 5+: $148,450

2025 Preview: Updated USDA Income Limits

For 2025, the USDA loan income limits will remain consistent:

  • General Counties: $112,450 (Household Size 1-4) | $148,450 (Household Size 5+)
  • Jefferson Metro Counties: Same limits apply as 2024.

Counties Ineligible or Partially Eligible for USDA Loans

While USDA loans provide 100% financing for many rural and suburban areas, certain counties or regions in Kentucky are ineligible due to population density or other factors:

Fully Ineligible Counties:

  • Jefferson County (Louisville Metro)
  • Fayette County (Lexington)

Partially Ineligible Areas:

Some cities or parts of counties are excluded:

  • Daviess County (Owensboro city limits)
  • McCracken County (Paducah city limits)
  • Warren County (Bowling Green city limits)
  • Hardin County (Fort Knox, Radcliff)
  • Christian County (Hopkinsville, Fort Campbell)
  • Boyd County (Ashland city limits)
  • Bullitt County (Hillview, Zoneton, Brooks)
  • Franklin County (Frankfort)
  • Henderson County (Henderson city limits)
  • Northern Kentucky (urban areas of Boone, Kenton, Campbell counties including Covington, Florence, and Hebron).

Northern Kentucky USDA Loan Income Limits (Higher Limits) (*):**

For Northern Kentucky counties, the USDA income limits are slightly higher:

Boone, Kenton, Campbell Counties

  • Household Size 1-4: $120,300
  • Household Size 5+: $159,150

Grant, Owen, Pendleton Counties

  • Household Size 1-4: $112,450
  • Household Size 5+: $148,450

USDA-Eligible Areas in Northern Kentucky

Eligible cities and areas in Northern Kentucky include:

  • Burlington
  • Hebron
  • Independence
  • Walton
  • Alexandria
  • Highland Heights
  • Cold Springs
  • Grant County
  • Owen County
  • Pendleton County

Why Choose a USDA Loan?

The USDA Rural Housing Loan Program is a no-money-down mortgage option designed to make homeownership more accessible. It’s not just for first-time buyers and offers many advantages:

  • No Down Payment Required
  • Competitive Interest Rates
  • Flexible Credit Guidelines

Apply for a USDA Home Loan in Kentucky

If you’re considering a USDA loan in Kentucky, I’m here to help! With over 20 years of experience, I specialize in guiding homebuyers through the USDA loan process.

Contact Information

Joel Lobb
Senior Loan Officer (NMLS# 57916)

Disclaimer: All loans are subject to credit approval, verification, and collateral evaluation. This information is intended for educational purposes only and does not guarantee loan approval. USDA loans are available only for eligible properties in Kentucky.

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