Cumberland County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 5.9 times the county's median home value of $141,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $40,000 (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) | $141,100 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 5.90× |
| Median household income | $40,000 |
| Median home value ÷ income | 3.5× |
| Population | 5,948 |
| Median property tax paid (owners) | $760 |
| Effective property tax rate (approx.) | 0.54% |
| Owner-occupied homes | 75.5% |
| Home value rank in Kentucky | 67 of 120 counties |
| Neighbor: Adair County, KY | limit $832,750; median home $150,800 |
| Neighbor: Clinton County, KY | limit $832,750; median home $122,200 |
| Neighbor: Metcalfe County, KY | limit $832,750; median home $110,200 |
| Neighbor: Monroe County, KY | limit $832,750; median home $115,900 |
| Neighbor: Russell County, KY | limit $832,750; median home $163,200 |
| Neighbor: Clay County, TN | limit $832,750; median home $136,400 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Cumberland County's median home value is 31% below the state median of $205,600 (rank 67 of 120). Among its 6 neighboring counties, Russell County has the highest median home value ($163,200) and Metcalfe County the lowest ($110,200); all share the same loan limit. Owners pay a median $760 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
- 2026 conforming loan limit: Cullman County, AL
- 2026 conforming loan limit: Culpeper County, VA
- 2026 conforming loan limit: Cumberland County, IL
- 2026 conforming loan limit: Cumberland County, ME
- 2026 conforming loan limit: Cumberland County, NC
- 2026 conforming loan limit: Cumberland County, NJ
- 2026 conforming loan limit: Cumberland County, PA
- 2026 conforming loan limit: Cumberland County, TN
Last updated 2026-10-16. Data only, not financial or tax advice.