Estill 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 $119,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $46,051 (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) | $119,500 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 6.97× |
| Median household income | $46,051 |
| Median home value ÷ income | 2.6× |
| Population | 14,035 |
| Median property tax paid (owners) | $799 |
| Effective property tax rate (approx.) | 0.67% |
| Owner-occupied homes | 70.4% |
| Home value rank in Kentucky | 91 of 120 counties |
| Neighbor: Clark County, KY | limit $832,750; median home $205,800 |
| Neighbor: Jackson County, KY | limit $832,750; median home $111,500 |
| Neighbor: Lee County, KY | limit $832,750; median home $83,900 |
| Neighbor: Madison County, KY | limit $832,750; median home $232,000 |
| Neighbor: Powell County, KY | limit $832,750; median home $141,100 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Estill County's median home value is 42% below the state median of $205,600 (rank 91 of 120). Among its 5 neighboring counties, Madison County has the highest median home value ($232,000) and Lee County the lowest ($83,900); all share the same loan limit. Owners pay a median $799 a year in property tax, an effective rate of about 0.67% 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.
Frequently asked questions
What is the conforming loan limit in Estill County, Kentucky?
Estill 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 $119,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $46,051 (FHFA; Census ACS 2020–2024).
What is the median home value in Estill County, Kentucky?
The median owner-occupied home value in Estill County is $119,500 (ACS 2020–2024), versus $205,600 statewide.
Do I need a jumbo loan in Estill County?
Only if your loan amount exceeds $832,750 for a one-unit home; the county median home value is $119,500, so the cap is 6.97 times the typical home value.
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Last updated Oct 20, 2026, 10:03 PM ET. Data only, not financial or tax advice.
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