Clay County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 9.2 times the county's median home value of $90,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $40,900 (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) | $90,700 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 9.18× |
| Median household income | $40,900 |
| Median home value ÷ income | 2.2× |
| Population | 19,921 |
| Median property tax paid (owners) | $634 |
| Effective property tax rate (approx.) | 0.70% |
| Owner-occupied homes | 76.4% |
| Home value rank in Kentucky | 107 of 120 counties |
| Neighbor: Bell County, KY | limit $832,750; median home $89,000 |
| Neighbor: Jackson County, KY | limit $832,750; median home $111,500 |
| Neighbor: Knox County, KY | limit $832,750; median home $118,700 |
| Neighbor: Laurel County, KY | limit $832,750; median home $159,500 |
| Neighbor: Leslie County, KY | limit $832,750; median home $69,000 |
| Neighbor: Owsley County, KY | limit $832,750; median home $80,100 |
| Neighbor: Perry County, KY | limit $832,750; median home $91,800 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Clay County's median home value is 56% below the state median of $205,600 (rank 107 of 120). Among its 7 neighboring counties, Laurel County has the highest median home value ($159,500) and Leslie County the lowest ($69,000); all share the same loan limit. Owners pay a median $634 a year in property tax, an effective rate of about 0.70% 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: Clay County, IL
- 2026 conforming loan limit: Clay County, IN
- 2026 conforming loan limit: Clay County, KS
- 2026 conforming loan limit: Clay County, MN
- 2026 conforming loan limit: Clay County, MO
- 2026 conforming loan limit: Clay County, MS
- 2026 conforming loan limit: Clay County, NC
- 2026 conforming loan limit: Clay County, NE
Last updated 2026-10-16. Data only, not financial or tax advice.