Breckinridge County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 5.3 times the county's median home value of $156,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $55,843 (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) | $156,700 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 5.31× |
| Median household income | $55,843 |
| Median home value ÷ income | 2.8× |
| Population | 20,881 |
| Median property tax paid (owners) | $916 |
| Effective property tax rate (approx.) | 0.58% |
| Owner-occupied homes | 81.4% |
| Home value rank in Kentucky | 58 of 120 counties |
| Neighbor: Perry County, IN | limit $832,750; median home $163,400 |
| Neighbor: Grayson County, KY | limit $832,750; median home $164,600 |
| Neighbor: Hancock County, KY | limit $832,750; median home $141,200 |
| Neighbor: Hardin County, KY | limit $832,750; median home $225,800 |
| Neighbor: Meade County, KY | limit $832,750; median home $207,900 |
| Neighbor: Ohio County, KY | limit $832,750; median home $121,400 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Breckinridge County's median home value is 24% below the state median of $205,600 (rank 58 of 120). Among its 6 neighboring counties, Hardin County has the highest median home value ($225,800) and Ohio County the lowest ($121,400); all share the same loan limit. Owners pay a median $916 a year in property tax, an effective rate of about 0.58% 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: Brazoria County, TX
- 2026 conforming loan limit: Brazos County, TX
- 2026 conforming loan limit: Breathitt County, KY
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- 2026 conforming loan limit: Brevard County, FL
- 2026 conforming loan limit: Brewster County, TX
- 2026 conforming loan limit: Briscoe County, TX
- 2026 conforming loan limit: Bristol Bay Borough, AK
Last updated 2026-10-16. Data only, not financial or tax advice.