Ballard County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 5.7 times the county's median home value of $145,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $66,164 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $145,800 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 5.71× |
| Median household income | $66,164 |
| Median home value ÷ income | 2.2× |
| Population | 7,654 |
| Median property tax paid (owners) | $1,065 |
| Effective property tax rate (approx.) | 0.73% |
| Owner-occupied homes | 76.0% |
| Home value rank in Kentucky | 64 of 120 counties |
| Neighbor: Alexander County, IL | limit $832,750; median home $59,800 |
| Neighbor: Pulaski County, IL | limit $832,750; median home $85,100 |
| Neighbor: Carlisle County, KY | limit $832,750; median home $120,400 |
| Neighbor: Mccracken County, KY | limit $832,750; median home $188,100 |
| Neighbor: Mississippi County, MO | limit $832,750; median home $109,000 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Ballard County's median home value is 29% below the state median of $205,600 (rank 64 of 120). Among its 5 neighboring counties, Mccracken County has the highest median home value ($188,100) and Alexander County the lowest ($59,800); all share the same loan limit. Owners pay a median $1,065 a year in property tax, an effective rate of about 0.73% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Baker County, OR
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- 2026 conforming loan limit: Baldwin County, GA
- 2026 conforming loan limit: Baltimore City, MD
- 2026 conforming loan limit: Baltimore County, MD
- 2026 conforming loan limit: Bamberg County, SC
- 2026 conforming loan limit: Bandera County, TX
- 2026 conforming loan limit: Banks County, GA
Last updated 2026-10-16. Data only, not financial or tax advice.