Bell County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 9.4 times the county's median home value of $89,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $31,354 (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) | $89,000 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 9.36× |
| Median household income | $31,354 |
| Median home value ÷ income | 2.8× |
| Population | 23,509 |
| Median property tax paid (owners) | $723 |
| Effective property tax rate (approx.) | 0.81% |
| Owner-occupied homes | 58.8% |
| Home value rank in Kentucky | 108 of 120 counties |
| Neighbor: Clay County, KY | limit $832,750; median home $90,700 |
| Neighbor: Harlan County, KY | limit $832,750; median home $73,700 |
| Neighbor: Knox County, KY | limit $832,750; median home $118,700 |
| Neighbor: Leslie County, KY | limit $832,750; median home $69,000 |
| Neighbor: Whitley County, KY | limit $832,750; median home $131,800 |
| Neighbor: Claiborne County, TN | limit $832,750; median home $159,900 |
| Neighbor: Lee County, VA | limit $832,750; median home $98,900 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Bell County's median home value is 57% below the state median of $205,600 (rank 108 of 120). Among its 7 neighboring counties, Claiborne County has the highest median home value ($159,900) and Leslie County the lowest ($69,000); all share the same loan limit. Owners pay a median $723 a year in property tax, an effective rate of about 0.81% 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: Bedford County, VA
- 2026 conforming loan limit: Bee County, TX
- 2026 conforming loan limit: Belknap County, NH
- 2026 conforming loan limit: Bell County, TX
- 2026 conforming loan limit: Belmont County, OH
- 2026 conforming loan limit: Beltrami County, MN
- 2026 conforming loan limit: Ben Hill County, GA
- 2026 conforming loan limit: Benewah County, ID
Last updated 2026-10-16. Data only, not financial or tax advice.