Kentucky 2024 County Income Limits For USDA Rural Development Loan
Kentucky USDA Mortgage Limits for 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.
Burlington
Hebron
Independence
Walton
Alexandria
Highland Heights
Cold Springs
Grant County
Owen County
Pendleton County
Boone, Kenton & Campbell Counties (N. KY)
$116,300 (family size 1-4)
$153,500 (family size 5 or more)
$110,650 (family size 1-4)
$146,050 (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.
Remember, Jefferson County Kentucky, Fayette County Kentucky are not eligible for USDA loans.
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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
*as of 7/13/2023
*as of 7/13/2023
| 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 |
Kentucky USDA Mortgage Lender for Rural Housing Loans 
New USDA Loan Limits
We’re very excited to share that the US Department of Agriculture (USDA) has announced new income limits for the USDA Guaranteed Home Loan program!
The USDA Rural Development home loan program helps individuals achieve homeownership in small towns or rural areas. The program is open to homebuyers whose annual household income does not exceed the USDA income limits. In many areas, entire counties qualify for this loan program!
The USDA home loan program does not require a down payment and offers flexible credit guidelines, competitive interest rates, and low monthly mortgage insurance rates.
With the recent increase in household income limits, more families can now qualify for a USDA mortgage!
Across most of the country, the USDA income limits for 2023 have increased to $110,650 for a home with one to four occupants, and $146,050 for a home of five to eight. Homes with over eight persons will have higher limits depending on the number of occupants. Limits may be higher in certain high-cost of living areas.
The base USDA income limits are for most Kentucky counties below:
New Kentucky USDA Rural Housing Income limits for most counties in 2023
New Income limits for most counties (*) in Kentucky are $110,650 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 $110,650 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)
$146,050 (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.
Remember, Jefferson County Kentucky, Fayette County Kentucky are not eligible for USDA loans.
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.
http://kentuckyfirsttimehomebuyer.com/2011/01/28/first-time-home-buyer-in-kentucky-zero-down-2/