Carter County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 6.3 times the county's median home value of $132,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $51,235 (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) | $132,800 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 6.27× |
| Median household income | $51,235 |
| Median home value ÷ income | 2.6× |
| Population | 26,341 |
| Median property tax paid (owners) | $649 |
| Effective property tax rate (approx.) | 0.49% |
| Owner-occupied homes | 80.0% |
| Home value rank in Kentucky | 74 of 120 counties |
| Neighbor: Boyd County, KY | limit $832,750; median home $130,700 |
| Neighbor: Elliott County, KY | limit $832,750; median home $123,500 |
| Neighbor: Greenup County, KY | limit $832,750; median home $134,000 |
| Neighbor: Lawrence County, KY | limit $832,750; median home $111,700 |
| Neighbor: Lewis County, KY | limit $832,750; median home $96,000 |
| Neighbor: Rowan County, KY | limit $832,750; median home $161,800 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Carter County's median home value is 35% below the state median of $205,600 (rank 74 of 120). Among its 6 neighboring counties, Rowan County has the highest median home value ($161,800) and Lewis County the lowest ($96,000); all share the same loan limit. Owners pay a median $649 a year in property tax, an effective rate of about 0.49% 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: Carroll County, VA
- 2026 conforming loan limit: Carson City, NV
- 2026 conforming loan limit: Carson County, TX
- 2026 conforming loan limit: Carter County, MO
- 2026 conforming loan limit: Carter County, MT
- 2026 conforming loan limit: Carter County, OK
- 2026 conforming loan limit: Carter County, TN
- 2026 conforming loan limit: Carteret County, NC
Last updated 2026-10-16. Data only, not financial or tax advice.