Caldwell County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 7.0 times the county's median home value of $118,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $59,583 (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) | $118,500 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 7.03× |
| Median household income | $59,583 |
| Median home value ÷ income | 2.0× |
| Population | 12,618 |
| Median property tax paid (owners) | $643 |
| Effective property tax rate (approx.) | 0.54% |
| Owner-occupied homes | 70.2% |
| Home value rank in Kentucky | 93 of 120 counties |
| Neighbor: Christian County, KY | limit $832,750; median home $173,600 |
| Neighbor: Crittenden County, KY | limit $832,750; median home $127,300 |
| Neighbor: Hopkins County, KY | limit $832,750; median home $142,800 |
| Neighbor: Lyon County, KY | limit $832,750; median home $189,500 |
| Neighbor: Trigg County, KY | limit $832,750; median home $207,700 |
| Neighbor: Webster County, KY | limit $832,750; median home $112,900 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Caldwell County's median home value is 42% below the state median of $205,600 (rank 93 of 120). Among its 6 neighboring counties, Trigg County has the highest median home value ($207,700) and Webster County the lowest ($112,900); all share the same loan limit. Owners pay a median $643 a year in property tax, an effective rate of about 0.54% 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
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- 2026 conforming loan limit: Caldwell County, TX
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Last updated 2026-10-16. Data only, not financial or tax advice.